I have been working a long time on retirement planning that creates more and safer income for retirees. So long, in fact, that I sometimes forget the subject is new to most investors. They get much of their financial information from their advisers — who often simply treat these investors as “de-accumulators.” Another way to describe their message is, “Invest like you did when you were 55, only more conservatively.” [...]

For many Americans, retirement won't mean giving up work entirely. And that's not necessarily a bad thing, as continuing to hold a job in your later years can allow you to hopefully do something you enjoy while also increasing your financial stability. The issue, though, is that working in retirement can affect your Social Security checks. In some cases, you could see your benefits actually go up if you continue [...]

The Covid-19 pandemic has thrown the stock market into turmoil. For many people, that means their retirement accounts are in turmoil as well. And the truth is, no one knows what the stock market is going to do in the years to come. Some economists are speculating that the market will get much worse before it gets better. Others are projecting a rapid stabilization and a speedy recovery. Who should [...]

HINKING ABOUT YOUR 401(k) investments and uncertainties about the future can be enough to make even the best planners feel anxious about retirement. While it's common to have money-related retirement concerns, the good news is that these worries don't have to linger. A few steps in the right direction can help calm your mind and establish a smart financial strategy for retirement. Sources of retirement anxiety include: Running out of money. [...]

This article is reprinted by permission from NerdWallet. This article provides information and education for investors. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks or securities. If you’ve ever wondered how your retirement savings stacks up against your peers, you’re in good company. The desire to know where you land in the sea of retirement savers is natural, and it [...]

Truly great experiences don’t happen by chance. Every detail is considered and meticulously crafted with the end user in mind—whoever that user may be. That’s why, when it’s time to design a new employee workflow experience, more user experience (UX) experts are partnering with HR. “There are many parallels between how UX and HR look at employee sentiment and experience,” says Amy Lokey, ServiceNow’s vice president and global head of [...]