Retirement readiness
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Who—or what—is a beneficiary?
Your life insurance policy and retirement plan have asked you to name a beneficiary—but what does that really mean? What happens if you don’t? Do you need beneficiaries for anything else? Although it’s critical to name beneficiaries, it’s pretty easy to do. We’ll explain the what, why, and how of beneficiaries to help you protect your loved ones and your assets.
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Can I take money from my 401(k)?
Saving for retirement is a long-term investment, and it’s natural to want to be able to take money out of your 401(k) if you need it. Find out the different 401(k) withdrawal options you may have while you’re working and when you change jobs.
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How do interest rates affect retirement savings?
You’ve heard that the Fed is raising interest rates. But what does it mean to you? Rising interest rates can affect your wallet today and in retirement. Learn why interest rates matter and what you can do to help minimize their impact on your finances.
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Four questions to help you plan your retirement income
Retirement is a time of change. And one of the biggest changes is no longer receiving a paycheck from an employer. In retirement, you pay yourself—your savings accounts and retirement plans generally become the sources of your income. And that takes some planning. Answering these four questions can help you get started.
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Critical ages for retirement planning: Social Security benefits and more
Your 50th birthday may have felt like a big milestone, and it was—you’re a half centennial! While you still have many more to look forward to, there are other key milestones you should be aware of to help get your retirement finances in order.
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What taxes do you pay on investments in your retirement accounts?
How you choose to save for retirement determines whether your money will be taxed now or later. Learn what taxes you may pay on investments in your 401(k), IRA, and personal savings.
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Blueprint for paying down your debt
If managing your debt feels overwhelming at times, you’re not alone—87% of people with major debt say managing their finances is a cause of stress. But there are steps you can take to improve your situation before turning to a formal debt relief program for help.
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Four ratios to help keep your personal finances on track
When you’re managing your personal finances, you may come across ratios you don’t understand. But some of them can make it easier to get your finances in order, and, knowing how to use these ratios can help you achieve your financial goals.
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Accessing your 401(k) money—withdrawals, loans, and hardships
The money in your retirement accounts is intended for, well, retirement. But that doesn’t necessarily mean you can’t access it if you need to. How you take your money out of your retirement account prior to retiring depends on several factors. The point is that you may have options—let’s go through them.
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Five things you may not know about 529 plans
Did you know that 529 education savings plans are 25 years old?
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