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Your 10 Most Important Financial Moves for 2022

No one knows what will happen in 2022. But you can make it a year of personal financial progress — if you're willing to plan and act.
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Retirement Surprises

Many new retirees find themselves facing unexpected realities in retirement — both financial and emotional. Here’s how to minimize surprises.
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SMI on the Radio: Picking the Best Type of Retirement Account (audio & transcript)

IRAs have certain advantages, 401(k) have others. On Monday's edition of Moody Radio's MoneyWise Live, SMI's executive editor Mark Biller talked about how to make the "IRA or 401(k)" decision. And he explained why using
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IRA or 401(K)? You Might Be Able to Enjoy the Best of Both

A 401(k) has certain advantages over an IRA — and vice versa. Depending on your income level and employment situation, you may be able to enjoy the best of both worlds.
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Inflation Adjustments: Social Security Benefits and Earnings Limit to Rise in 2022

Social Security benefits are indexed for inflation, so when inflation rises, benefits rise too. With inflation "coming in hot" this year, nearly 60 million U.S. retirees will be getting a heftier monthly SS benefit
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SMI on the Radio: A Nervous Market (audio & transcript)

Bearish sentiment rose sharply last month — and even though that sentiment has now softened somewhat, many investors remain uneasy. They're concerned about the economic and market impact of Fed policy, rising inflation,
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Coming Soon to a Retirement Plan Near You: Annuities

BlackRock, the world’s largest asset manager, has announced plans to provide annuities through workplace retirement plans. According to The Wall Street Journal, annuities will be integrated into a new family of BlackRock
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Social Security Is Facing a Shortfall — Should That Affect Your Claiming Strategy?

The October SMI cover article on Social Security's funding challenges (outgo will exceed income by 2034) prompted this suggestion from a reader named Rich: As the "inevitable" changes to SS begin to be seriously
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The Outrageous Truth About Social Security

The U.S. Social Security program is on a collision course with financial reality. That means future retirees can expect higher taxes and reduced benefits.
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A Different Take on Asset Allocation in Retirement

The conventional approach is to reduce stock holdings in retirement. Should you consider an alternative approach that increases stock holdings?
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