Federal benefits look stable, but retirement can reveal hidden risks. Learn where plans bend, where they break, and how to ...

Learn about retirement distribution options, such as lump-sum withdrawals, systematic withdrawals, and annuities. Choose the best option for you.

I have always said that asset accumulation is easy but the true difficulty is in asset distribution. There is no single plan that is right for everyone. Perhaps the best-known distribution plan is the ...

Holding off on Social Security can pay off.

As the former head of the Pooled Plan practice at a major record keeper, I had hundreds of conversations with advisors, consultants, TPA’s, pooled plan providers, fund partners and others looking to ...

There are lots of smart ways to use your RMD. It could fund an emergency fund, for example, or help you pay down debt. You might also reinvest the money, so that it can keep growing. If you're ...

When it comes to retirement planning, most people know they need to save, but few understand how certain retirement investment strategies can impact the amount of income they’ll actually have. In this ...

In our recent annual study on safe withdrawal rates, my colleagues Tao Guo, Jason Kephart, Christine Benz, and I looked into a variety of strategies that retirees can use to manage portfolio ...

Lucy Lazarony is an experienced personal finance journalist and writer who got her start in 1998 writing about financial topics. She writes accessible and easy-to-understand articles about credit, ...