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Retirement Planning Financial Topic

Most Americans dream about retirement as a time when they can relax, travel, pursue hobbies.  But the reality is that many Americans are not saving for retirement when the need to do so is greater than ever before.  The good news is that whichever savings vehicles you choose—from 401 (k) plans to mutual funds to annuities—it’s never too early, or late, to begin preparing for your Golden Years.

Articles
401 (k) plans
ArticleBe Careful About 401(k) Loans
ArticleKnow Your 401(k) Contribution Limits
ArticleWhy Is It Called a 401(k)
Health care issues
ArticleBuying supplemental health insurance-Medigap
ArticleGovernment benefits
ArticleHealth insurance in retirement
ArticleMedicare
ArticleShould you buy long-term care insurance
ArticleUnderstanding long-term care insurance
Housing issues
ArticleHousing options for older individuals
ArticleYour home as a source of dollars in retirement
IRAs
ArticleIRA Beneficiary Disclaimers
ArticleUsing Your IRA to Buy a Home
ArticleWhen Choosing an IRA Beneficiary
Saving for retirement
ArticleAnnuities and retirement planning
ArticleBorrowing or withdrawing money from your 401(k) plan
ArticleChoosing a beneficiary for your IRA or 401(k)
ArticleClosing a retirement income gap
ArticleDeciding what to do with your 401(k) plan when you change jobs
ArticleEstimating your retirement income needs
ArticleEvaluating an early retirement offer
ArticleRetirement planning--the basics
ArticleSaving for retirement and a child's education at the same time
ArticleTaking advantage of employer-sponsored retirement plans
ArticleUnderstanding defined benefit plans
ArticleUnderstanding IRAs
ArticleWhat to do after you've been automatically enrolled in your company's retirement plan
Social Security
ArticleSocial Security retirement benefits
ArticleUnderstanding Social Security
Tools
401 (k) plans
Tool401(k) plans
Tool401(k) Savings Calculator
Tool401(k) Spend It or Save It Calculator
Tool403(b) Savings Calculator
ToolShould you save in a 401(k) or a Roth IRA?
ToolSolo 401(k) Illustration
Health care issues
ToolMedicaid eligibility for nursing home care
ToolMedicare figures at-a-glance
ToolMedicare Medigap and Medicaid
ToolShould you consider buying long-term care insurance (LTCI)?
IRAs
Tool457 Savings Calculator
Tool72T Calculator
Tool72T Distribution Impact
ToolBeneficiary Required Minimum Distributions
ToolComparison of traditional IRAs and Roth IRAs
ToolIRA eligibility flowchart: 2003
ToolIRA eligibility flowchart: 2004
ToolRequired Minimum Distributions
ToolRoth IRA Calculator
ToolRoth IRA Conversion
ToolRoth IRA future value calculator
ToolRoth IRA: how much can you contribute in 2003?
ToolRoth vs. Traditional IRA
ToolTraditional IRA Calculator
ToolTraditional IRA future value calculator
ToolTraditional IRA required minimum distribution illustrator
ToolTraditional IRA: how much can you contribute and deduct in 2003?
ToolVariable Annuity Calculator
Retirement planning basics
ToolBuilding an investment portfolio
ToolConsumer price index inflation calculator
ToolGrowth of annual deposits calculator
ToolHow taxation can affect your retirement funds
ToolInvesting for retirement
ToolLife Expectancy Calculator
ToolNet Worth Calculator
ToolNet worth calculator
ToolPension Plan Retirement Options
ToolPersonal cash flow worksheet
ToolRetirement Income Calculator
ToolRetirement Pension Planner
ToolRetirement Planner
ToolRetirement Shortfall Calculator
ToolSaving for your retirement
ToolSavings Goals
ToolSavings, Taxes and Inflation
ToolWhat is your risk tolerance?
Social Security
ToolHow earnings affect Social Security
ToolHow important is Social Security?
ToolSocial Security Benefits
ToolSocial Security figures at-a-glance
ToolSources of retirement income: filling the Social Security gap
FAQs
Employer-sponsored retirement plans
FAQCan I roll a retirement plan distribution into an IRA?
FAQCan I still have a traditional IRA if I contribute to my 401(k) plan at work?
FAQDoes the federal government insure pension benefits?
FAQHow can I plan for retirement if my employer doesn't offer retirement benefits?
FAQI teach at a school that has a 403(b) plan. Is this type of plan a good way to save for retirement?
FAQMy company has a profit-sharing plan. How do these plans work?
FAQShould I contribute to my 401(k) plan at work?
FAQShould I use my 401(k) to fund my child's college education?
FAQWhat are my options if I inherit an IRA or employer-sponsored plan?
FAQWhat does the term "qualified plan" mean?
FAQWhat is vesting?
Health care issues
FAQCan I deduct premiums paid for long-term care (LTC) insurance?
FAQHow can I pay for nursing home care?
FAQHow can I tell if a nursing home provides high-quality care?
FAQHow do I enroll in Medicare?
FAQHow does Medicare Advantage work?
FAQShould I buy long-term care insurance?
FAQWhat is long-term care insurance?
FAQWhat is Medigap?
Housing issues
FAQIm having a hard time selling my home. Should I take out a reverse mortgage
FAQIm retired now and own my home outright but I need money to live on. How can I use my home to raise
FAQMy husband just died. Should I accept my daughter's offer to move in with her?
IRAs
FAQCan I avoid the 10 percent penalty tax for early withdrawals from a traditional IRA?
FAQCan I contribute to a Roth IRA?
FAQCan I roll a retirement plan distribution into an IRA?
FAQCan I set up a traditional IRA?
FAQCan I shift my tranditional IRA funds to a Roth IRA?
FAQCan I still have a traditional IRA if I contribute to my 401(k) plan at work?
FAQCan I take money from my IRA without any penalty?
FAQI need money--can I take funds from my IRA?
FAQIt's January, and I forgot to contribute to my IRA. Is it too late?
FAQShould I invest in a Roth IRA or a traditional IRA?
FAQShould I withdraw money from my IRA to pay for my child's college tuition?
FAQWhat are my options if I inherit an IRA or employer-sponsored plan?
FAQWhat are required minimum distributions and how are they calculated?
FAQWhat are the rules for IRA contributions?
FAQWhat's a premature IRA distribution, and what happens if I make one?
Saving for retirement
FAQHow aggressive should I be when I invest for retirement?
FAQHow can I plan for retirement if my employer doesn't offer retirement benefits?
FAQHow can we possibly save for retirement and our child's college education at the same time?
FAQHow late is too late to start saving for retirement?
FAQHow much money should I save for retirement?
FAQHow should I structure my retirement portfolio?
FAQI think it's time to start planning for retirement. Where do I begin?
FAQShould I accept my employer's early retirement offer?
FAQWhat should I do if I determine that my income during retirement won't be enough to meet my retirement expenses?
Social Security
FAQAre my Social Security benefits subject to income tax?
FAQHow can I get an estimate of my Social Security benefits?
FAQI'm getting remarried. How will this affect my Social Security benefits?
FAQShould I retire now at age 62 and collect Social Security benefits, or should I wait until age 65?
FAQWhat happens if I start collecting Social Security after age 65?
FAQWhen I retire how much will I receive from Social Security?
FAQWill my children receive money from Social Security when I die?