Retirees face new financial decisions in 2025 as required distributions from traditional IRAs reshape tax planning and long-term savings strategies.

Many retirees are unprepared for the switch from saving to spending. Here’s how to turn your retirement savings into steady, ...

As you transition from earning a paycheck to living off your portfolio, choosing the right withdrawal strategy is crucial. While there's no one-size-fits-all approach, understanding various methods ...

Planning for a sustainable income from retirement investments can be complex. I've identified 10 primary variables, or "linchpins," which must be considered to develop a complete withdrawal plan. Of ...

Here's how it works: If you withdraw 4% annually from a $300,000 retirement account, you'll get $12,000 per year, or $1,000 ...

When times are tough and household budgets are under severe strain, taking cash out of your 401(k) plan can provide some relief. However, it’s best to be cautious, as there are specific rules related ...

Let's start with the obvious: How a person withdraws money from their retirement portfolio matters. If thoughtfully executed, portfolio withdrawals need not capsize a retirement portfolio. But that ...

Retirementhas always been a thorny issue, particularly during the distribution phase i.e., the pension or annuity to be ...

Market conditions and inflation have a significant impact on sustainable withdrawal rates. The 4% rule was intended to be a flexible guideline, not a strict law. Some advisors prefer dynamic ...

How much of your hard-earned portfolio can you sell each year to finance your retirement — without ever running out of cash?

From catch-up contributions to required distributions, federal employees face key ages that can shape retirement income, ...

Planning for a sustainable income from retirement investments can be complex. I've identified 10 primary variables, or "linchpins," which must be considered to develop a complete withdrawal plan. Of ...