Is Social Security Heading Toward Insolvency?

This week’s reader question:

Is Social Security Heading Toward Insolvency?

The ‘Mega Backdoor’ Roth IRA

At Adviser Investments, we’re big fans of Roth IRAs. Who doesn’t love tax-free growth? Roth IRAs come with limitations on who can contribute—and how much they can contribute—based on annual income. However, one fairly common strategy to get around those limitations is the “backdoor” Roth conversion—you roll (or transfer) …

Roth Conversion Quick Tips

Roth IRAs are a powerful and popular retirement savings vehicle—but should you trade in your traditional IRA for one? The answer comes down to taxes. Money placed in a Roth IRA can grow tax-free and be withdrawn tax-free in retirement. Whereas, contributions to a traditional IRA also grow tax-free, but you pay …

Reverse Mortgages—Myths Versus Reality

Reverse mortgages garner quite a bit of attention from the media—much of it negative. But that’s not the whole story. We’re going to separate the myths from the facts. First, let’s define our terms: A reverse mortgage is a loan that allows you to access a portion of the equity in your …

Planning in Your 60s: 5 Things to Do Before You Retire

According to a recent survey, 46% of American households are at risk of not being able to cover essential expenses in retirement. We don’t want yours to be part of that statistic. Retiring is a major milestone, and it requires not only financial preparedness but emotional readiness. To make sure you are …

Planning in Your 50s: Catch-Up Contributions

Turning 50 is momentous for so many reasons—including the extra boost you can provide to your retirement savings. We touched on this in Part One of our three-part series on financial planning in your 50s (and here’s Part Two on streamlining), but we think catch-up contributions are worthy …

Financial Planning in Your 50s

Raising a family and building your career is enough to keep most people plenty busy—so much so that many don’t take financial planning seriously until their 50s, when they first see their retirement horizon approaching. If you are in your 50s, here are five tips to make sure that you’re preparing properly …

Early Retirement, Part 2: Health Care

If you plan to retire from full-time work after you hit age 65, continuing your health coverage can be a snap—simply switch from your employer-based plan to Medicare. (For details, check out our podcast on Medicare planning.) But how do you handle health insurance if you want to …

Early Retirement Playbook

The surge in unemployment during the pandemic has led some people to retire sooner than they planned. Whether it’s a personal decision or one that has been imposed on you, here are four ways to make early retirement both fun and feasible:

5 Medicare Enrollment Mistakes to Avoid

Since its 1965 inception, Medicare has been an essential component of a successful retirement. Yet, as we’ve noted, navigating its complexities can be frustrating. Here are a few common mistakes to avoid:

Social Security FAQs

Social Security is a complex topic. While you may understand the basics (like when to file and what family benefits you’re entitled to), you might still be left wondering how to claim benefits, manage taxes associated with Social Security, and more. At Adviser Investments, …

Social Security’s Family Benefits

You don’t have to be retired to receive Social Security. You read that right. In certain cases qualified family members and dependents can receive benefits. Let’s look at some of those cases and consider how they may factor into your financial plan.

Benefits for Spouses