Retirement Income
QLAC: Qualified Longevity Annuity Contract
A QLAC allows you to use the money in a retirement plan to purchase a deferred income annuity without running afoul of required minimum distribution rules.
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Retirement, simplified — one article at a time.
Practical guidance on retirement income, taxes, Social Security, and investing from our fee-only fiduciary team.
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- Retirement Planning
Gross Expense Ratio - What it is and Why it Matters
A gross expense ratio is the annual cost of investing in a mutual fund or ETF. Fund families will often rebate portions of the fee.
- Retirement Planning
Can I Contribute to an IRA if I am Retired?
You can still contribute to an IRA if you are retired. The biggest issue is whether you have earned income. Age isn't a factor since the SECURE Act passed.
- Retirement Income
Can I Retire on 500k?
It is possible to retire on 500k in retirement savings, but you'll need to do some careful planning. Here's what you need to think about.
- Retirement Planning
What Happens if I Contribute Too Much to My 401k?
If you contributed too much to your 401k you may end up owing a penalty. If you catch it in time, you may be able to reverse it.
- Retirement Planning
Does Employer Match Count Towards 401k Limit?
There are two different limits on 401k contributions. Your employer match counts towards the annual additions limit, but not the elective deferrals limit.
- Retirement Planning
Fund of Funds Explained
A fund of funds is a collection of mutual funds bundled together. There are some advantages as well as disadvantages to investing in a fund of funds.
- Retirement Planning
What is the Market Risk Premium?
The market risk premium is helpful for understanding why you want to have stocks in your portfolio. Think of it as your compensation for taking risk.
- Retirement Planning
702(j) Retirement Plan: Worthwhile?
A 702(j) retirement plan really isn't a "retirement plan" at all. It's a cash value life insurance policy sold as a retirement plan.
- Retirement Income
Tax-Gain Harvesting?
Tax-gain harvesting may seem counter-intuitive, but it can be an effective way to reduce your total tax burden in retirement.
- Retirement Income
How Long Will My Money Last in Retirement? (With Calculator)
The most common question on retirement is "How long will my money last?" Here is what you need to consider to make your money last throughout retirement.
- Investing
What is a MYGA Annuity?
A multi-year guaranteed annuity, or MYGA, is very similar to a CD. It pays a fixed interest rate and is useful when you need a stable place for your money.
