A custodial Roth IRA lets parents help a child with earned income start building long-term wealth. By starting early, children gain decades of potential tax-free growth while learning the value of saving and investing. TakeawaysA custodial Roth IRA can help children build long-term wealth...
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Summary Small financial decisions can have a big impact over time. Before summer ends, take a few minutes to review your 401(k), emergency savings, beneficiary designations, and retirement plan to help keep your long-term goals on track. TakeawaysIncreasing your 401(k) contribution by just 1% may add...
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Women are often more consistent retirement savers than men, according to Vanguard's How America Saves 2026 report. They participate in 401(k) plans at higher rates and frequently save a larger percentage of income. Despite these stronger savings habits, lower earnings and career interruptions continue to...
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Healthcare may be one of the largest expenses you'll face in retirement. According to Fidelity, a 65-year-old retiring today may spend an average of $172,500 on healthcare costs throughout retirement, and that estimate does not include long-term care. Understanding what Medicare covers, what it doesn't,...
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Retirement anxiety is rising in 2026 as Americans worry about inflation, healthcare costs, Social Security uncertainty, market volatility, and running out of money. Studies show many workers feel behind on retirement savings and unsure about their financial future. This article explains some of the biggest...
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A 401(k) offers several powerful retirement benefits, including tax advantages, employer matching contributions, catch-up contributions, and long-term investment growth. Understanding these benefits of a 401(k) may help you make smarter decisions with every dollar you save. Why Is a 401(k) Important for Retirement Savings? A 401(k) is...
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When you leave a job, you have several options for your 401(k), including leave it, roll it over to an IRA or your new 40(k), or cash it out. Each choice has different tax implications and can impact your ability to access your money, especially...
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Many retirement shortfalls aren’t caused by market crashes, but by everyday mistakes. These small decisions can quietly cost you years. Here are 12 common mistakes that can delay retirement and what to do instead. Why Small Mistakes Can Delay Your Retirement Most people don’t delay retirement because...
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Your tax refund can be more than extra spending money. Using it strategically – such as boosting retirement savings, paying down debt, or building an emergency fund – may strengthen your long-term financial security. Make Your Tax Refund Work for Your Future If you’re expecting a tax...
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Professional 401(k) management may help investors navigate higher contribution limits, market volatility, and rising complexity in 2026. This article explains what’s changed, how personalized management differs from robo-advisors, and why working with a fiduciary may help improve long-term retirement outcomes. What's Changed in 2026: Why This...
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