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Category: Retirement

The New Law of the Land on RMDs, IRA Contributions, Stretch IRAs, and More

Shoppers aren't the only ones hustling and bustling as Christmas approaches. The U.S. Congress speeded up its typically glacial activity and approved the SECURE Act last week, serving it up just in time for the Christmas
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A New, Better Process for Getting Started With MoneyGuidePro

MoneyGuidePro®— the planning software available to SMI Premium-level members — is now even better. MGP's new MyBlocks system offers a simpler "onboarding" process for first-time users plus helpful new features for existing
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Unplanned Early Retirement – It’s More Common Than You Might Think

Wise stewardship requires a healthy dose of risk management. Plan for retirement with the awareness that your current job may not be as secure as you think.
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Too Much of a Good Thing, and Other Points to Ponder

More time on the clock? “What if we’re not in the bottom of the 9th but the top of the 5th? What if the past 10 years were unbelievable for U.S. stock market investors but the next 10 years are just as good or better?
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Plugging the Holes in Your Portfolio

There are three primary reasons why investors don't get the returns they expect from their portfolios. I'm not talking about when a person makes poor investing choices out of ignorance, or when a portfolio simply
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Building a “Bridge” to Your Social Security Retirement Benefits

If you want a steady stream of retirement income that's guaranteeed to last for the rest of your life, you have three basic options, according the Center for Retirement Research at Boston College (there are other options,
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More Retirees Leaving 401(k) Money in Former Employer’s Plan. Is That a Good Idea?

A year after retiring, more than half (55%) of workers have left their 401(k) balance in their former employer’s plan — up from 45% four years ago. That’s according to Fidelity’s data pertaining to the plans it
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Roth IRA Conversions Can Be a Key Retirement-Income Planning Tool

By reducing your overall tax bill, shifting money from a traditional IRA to a Roth IRA could make a significant difference in the size of your retirement nest egg. You might be surprised at how much
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How to Write an Investment Plan

The principles of smart investing are straightforward. But at times our emotions get in the way, prompting us to make bad decisions. One way to keep your emotions in check is to develop a written investment
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Attention Husbands: You Should Know About SMI’s Ministry to Widows

In the mid-1990s, I was in talks with Moody Publishers about the possibility of writing a second book. They asked what topics interested me, and among the ideas we discussed was a book tailored to the financial needs of
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