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Members of Gen X are nearing retirement, but many are feeling increasingly uncertain about their financial futures. According to a new report from Betterment, overall retirement confidence among Americans fell from 56% in 2025 to 44% in 2026. Among Gen X, confidence is even…
When people think of major retirement milestones, the big three tend to be 62, when Social Security eligibility begins; 65, the year of Medicare enrollment; and 67, full retirement age. However, the decisions that retirees make before a lesser-known but equally consequential age-based…
When a surgeon dies leaving his entire estate to his wife, the family assumes no tax return means no problem. But a single unfiled form can quietly erase millions in exemptions, and most families never discover the mistake until it…
The IRS already has a withdrawal plan ready for anyone who skips making one, and it cares nothing about your tax bracket, your spending needs, or your timing. Understanding what that default schedule actually costs is the first step toward…
Converting a pretax 401(k) before required minimum distributions start sounds straightforward, but the real cost of moving $60,000 a year goes well beyond the tax bracket on that year's return. The biggest 401k decisions tend to get made once and never revisited: when…
Stay informed of the policy priorities ICI champions on behalf of individual investors and the asset management industry. Explore research from ICI’s experts on industry-related developments, trends, and policy issues. Explore expert resources, analysis, and opinions on key topics affecting…
Stay informed of the policy priorities ICI champions on behalf of individual investors and the asset management industry. Explore research from ICI’s experts on industry-related developments, trends, and policy issues. Explore expert resources, analysis, and opinions on key topics affecting…
Required minimum distributions (RMDs) aren't always a big deal. If you've already withdrawn more than the IRS requires to cover your living expenses, you've got nothing to worry about. But if you're withdrawing funds from your account specifically to avoid…
Rolling a $745,000 403(b) into an IRA instead of buying a lifetime annuity sounds risky, but the income target requires hitting a yield that puts most retirees in uncomfortable territory. Here is what that tradeoff actually looks like across three… A 61-year-old…
By Tilly O'Brien 16th Oct 2026 One of the biggest retirement questions is also one of the hardest to answer: 'how much income will I actually need?' According to Richmond Financial Advice, there is no single figure that works for everyone. It…