Roth IRA vs Traditional IRA decisions are some of the most important financial choices you’ll make when planning for retirement. However, they come with complications that need to be navigated. In the ...

Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.

One of the most common questions high-earning federal employees have as they near retirement is how to save money on their taxes. There are a few strategies that can be used to avoid taxes over your ...

Forbes contributors publish independent expert analyses and insights. Empowering smarter money moves. For retirement savers, particularly those older than 50, you should evaluate ways to reach the ...

Annuities are contracts with insurance companies that can minimize risk, provide steady retirement income and reduce taxes — reduce, but not eliminate. Annuities are complex financial instruments and ...

Roth IRAs allow for tax-free withdrawals in retirement. The only investments you can make in a 401(k) are those your plan provides, which can be limiting. Roth IRAs have early withdrawal exceptions ...

The retirement landscape has shifted dramatically over the past few decades. Gone are the days when most retirees could count on a generous company pension to carry them through their golden years.

Both Roth IRAs and life insurance policies can provide access to tax-free income in retirement. Roth IRAs have income limits, and gains generally can’t be accessed without penalty before age 59½. The ...

Plan design innovations, from employer matching in Roth accounts to student loan retirement matching and in-plan retirement income, are expected to gain more traction among plan sponsors in the coming ...

One of the most important things you can do for your retirement is save consistently for it. You should expect to need money on top of what Social Security pays you. And the larger a nest egg you ...