2+ hour, 56+ min ago  (582+ words) A 70-year-old with $1. 8 M in a traditional 401(k) can use a Qualified Longevity Annuity Contract (QLAC) to shield $210, 000 from required minimum distributions until age 85, reducing her RMD at age 73 by roughly $12, 700 annually and saving $30, 000-$40, 000 in federal taxes over 12 years while avoiding…...

5+ hour, 53+ min ago  (734+ words) The SPDR S&P 500 ETF Trust (SPY) returned roughly 257% over the 10 years ending May 26, 2026, illustrating the long-term market backdrop that amplifies compounding returns. A worker contributing 3% of a $60, 000 salary builds roughly $176, 000 over 30 years, while one contributing 12% builds roughly $705, 000 from the…...

3+ hour, 29+ min ago  (117+ words) A 401(k) loan may offer quick cash, but it could put your retirement savings at risk. Should I Take a 401(k) Loan for Emergency Expenses? It's not uncommon to find yourself in a financial crunch and needing a way to dig yourself…...

23+ hour, 24+ min ago  (218+ words) Lessons learned by the recently announced acquisition of American Trust by Ascensus. Why should advisors care? Related: 401(k) Real Talk Episode 193: May 20, 2026 Related: How Will the Industry Handle the Explosion of New 401(k) Plans? Related: 401(k) Real Talk Episode 192: May 13, 2026 Regardless, RPAs need…...

1+ day, 2+ hour ago  (781+ words) The gap is bigger than most people expect across three categories. For many Americans, retiring at 60 sounds like the ultimate financial milestone. But the difference between retiring at 60 and waiting until 65 isn't just five years of paychecks. It's a compounding…...

1+ day, 4+ hour ago  (56+ words) Think Advisor Annuities Tunnel Into the Future What You Need To Know - Speculative fiction writers use stories set in the future to explore the human condition. - Annuity issuers make promises about future benefits to improve how retirement savers feel today....

3+ week, 3+ day ago  (554+ words) That single sentence rewrites the rule for millions of workers in their 20s. If you treat 25% as a non-negotiable floor, you may delay retirement saving entirely because the number feels unreachable, or you may over-save in a taxable account when you…...

1+ day, 6+ hour ago  (1100+ words) Kevin O'Leary says the biggest retirement threat isn't the market, it's the everyday financial habits people ignore for decades. Retirement rarely collapses in one dramatic moment. According to Kevin O'Leary, it happens quietly through habits people repeat every single day…...

1+ day, 6+ hour ago  (299+ words) The US Department of Labor's proposal to open 401(k) plans to private market investments marks a pivotal shift in retirement policy " but one that demands far stronger investor protections than currently envisioned. The scale of the DOL proposal is substantial. Estimates…...

1+ day, 18+ hour ago  (337+ words) A online discussion emerged after a 32-year-old internet user expressed an existential crisis regarding conventional retirement strategies, as quoted from Detik Finance. The individual expressed terror at the prospect of working continuously during their healthiest decades just to wait until…...