IRAs: Beyond Retirement

by Rande Spiegelman
November 20, 2009
 
Answers to sophisticated IRA questions from retirees.
 

The Biggest Risk to Your Retirement

by Rande Spiegelman
Updated October 28, 2009
 
How to prevent a serious illness from depleting your savings. 
   

Retirees' Frequently Asked Questions About Roth Conversions

by Rande Spiegelman
October 23, 2009
 
Answers to retirees' questions about converting a traditional IRA or 401(k) to a Roth IRA.
 

IRA Do-Over: Reversing Contributions and Conversions

by Rande Spiegelman
October 7, 2009

A recharacterization allows you to reverse an IRA contribution or conversion under a variety of circumstances.

Required Minimum Distributions in 2009: What You Need to Know

by the Schwab Center for Financial Research
Updated October 6, 2009

If you're required to take an IRA distribution in 2009 or think you might be, a new law eliminates your 2009 RMDs. Get answers to frequently asked questions.

Write Your Own Retirement Paycheck

by Rande Spiegelman
Updated September 25, 2009
 
Here's a smart system for drawing down your life savings during retirement.
 

Small Business Retirement Plans

by Rande Spiegelman
Updated September 9, 2009
 
Most of us are familiar with 401(k) plans. Here are some additional retirement accounts available to smaller companies with fewer (if any) employees.
 

Saving for Retirement: IRA vs. 401(k)

by Rande Spiegelman
Updated September 4, 2009

We break down which retirement accounts make the most sense, and in what combination.

Catch up on Retirement

by Rande Spiegelman
Updated August 18, 2009
 
Are you behind on your retirement savings? Here are some tips to help you get caught up and achieve a comfortable retirement.
 

2010 Roth Conversion: Look Before You Leap

by Rande Spiegelman
July 22, 2009
 
In this article Rande Spiegelman presents some issues to consider in deciding whether or not to convert your traditional IRA to a Roth IRA.
 

Social Security: Making the Most of Your Benefits

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
May 27, 2009 
 
Whether you are approaching retirement or already retired, you probably have some questions about how to maximize your Social Security benefits. In this article we provide answers to some important frequently asked questions.
 

Build Your Retirement Portfolio to Last

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
Updated May 21, 2009
 
How do you construct your retirement portfolio to last as long as you will? Ultimately, the best asset allocation will depend on your own circumstances and tolerance for risk.
 

Retired but Thinking of Going Back to Work? Here Are Some Things You Need to Know

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
March 26, 2009

If you are retired but considering returning to work, only you can decide whether it’s worthwhile. To help you with that decision, here are answers to FAQs.

When Should You Take Social Security?

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
Updated March 25, 2009 
 
For most, waiting until age 70 yields greater benefits. Here's how to decide.
 

Retirement Q&A: We Answer Your Questions

by the Schwab Center for Financial Research
March 10, 2009

Answers to top questions about IRAs, 401(k)s and more.

6 Tips for 401(k) Investing in Today's Volatile Market

by Mark W. Riepe, CFA, Senior Vice President, Schwab Center for Financial Research 
Updated March 3, 2009
 
Learn what you can do now to help shore up your nest egg's defenses.
 

7 Ways to Take Control of Your Retirement in Rough Times

by Mark W. Riepe, CFA, Senior Vice President, Schwab Center for Financial Research
Updated March 2, 2009

Now is a good time to reassess your risk tolerance, your goals and the quality and structure of your portfolio.
 

Generating Cash Flow From Your Retirement Portfolio

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
Updated December 15, 2008 
 
Which parts of your retirement portfolio should you draw from, and when?
 

Spending Confidently in Retirement

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
Updated November 10, 2008
 
What does it take to have a comfortable and rewarding retirement in which you're free to spend with confidence?
 

Can You Still Retire?

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research 
October 9, 2008
 
What the financial turmoil may mean for your retirement. 
   

Pension Payout Puzzle

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research 
July 14, 2008
 
Should you take a lump sum or a monthly paycheck for life? How to decide. 
   

Baby Boomer Reality Check

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
April 23, 2008
 
About one-third of the baby boom generation has saved at least $100,000 toward retirement. They think that will provide a comfortable retirement. But will it?
 

Does Your Variable Annuity Cost Too Much?

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
February 11, 2008 
 
Investors have put more than $1 trillion in variable annuity products, many with expenses that may be higher than necessary.

Is a Roth IRA Right for You?

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
November 29, 2007 
 
Recent rule changes have opened the Roth option to a much wider audience.
 

The Generation That Plans

by Rande Spiegelman, CPA, CFP®, Vice President of Financial Planning, Schwab Center for Financial Research
July 27, 2007 
 
Hardly slackers, Gen-Xers can teach boomers and Gen-Yers a thing or two.