A 401 (k) is designed for retirement, not short-term emergencies. The baseline rule is this: withdraw money before age 59½, ...

Every week, Allworth Financial's Steve Hruby, CFP®, and Bob Sponseller, ChFC®, answer your questions. If you, a friend, or someone in your family has a money issue or problem, feel free to send those ...

I am in a quandary about how to invest $750,000 that’s in my 401(k). I'm 67 years old, retired and I have not started taking ...

For this Redditor, a 4% safe withdrawal rate is part of their retirement planning. It’s helpful to remember that the 4% SWR is a recommendation and not the only option available. There is also ...

The IRS released 2026 tax brackets—here’s how understanding your bracket can help you save with smart retirement and Roth conversion strategies.

Planning for a sustainable income from retirement investments can be complex. I've identified 10 primary variables, or "linchpins," which must be considered to develop a complete withdrawal plan. Of ...

Many Americans are turning to 401(k) withdrawals to stay afloat. Learn how tapping retirement savings can derail your financial future—and what alternatives exist instead.

It's true that there are income limits to be eligible to contribute to a Roth IRA. Starting in 2026, if you're single or the ...

Are you feeling overwhelmed by Roth IRA vs Traditional IRA tradeoffs? Then add terms like Deductible, Non-Deductible, MAGI, RMDs, phaseouts—it can feel like you need a tax degree just to choose an ...

Most of us have no idea if our retirement plan is actually any good. Sure, we’re contributing to our 401(k) and maybe we’ve got some vague target numbers floating around in our heads, but is that ...