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Retirement Planning Senior Citizens Beach Snorkel

6 Retirement Planning Challenges for Freelancers & Entrepreneurs

There are more self-employed Americans now than ever before. According to Upwork's 2018 survey of the industry, the gig economy has swollen to include...
Annuities Good Investment

Are Annuities a Good Investment? – 7 Things to Consider

Some financial advisors assert that annuities are expensive, contrived insurance/investment combinations promoted by brokers who, according to The Motley Fool, "are getting rich with big...
Employee Stock Ownership 401k Plans

Employee Stock Ownership in 401(k) Plans – History, Pros & Cons

The offers that appear on this site are from companies from which MoneyCrashers.com receives compensation. This compensation may impact how and where products appear on this...
Retirement Plan Rules Contribution Limits

What is a SEP IRA Retirement Account for Small Business Owners...

In the past, we've talked about the traditional 401k, Roth 401k, Roth IRA, and traditional IRA. We must have hit them all by now,...
Heart Home Family Financial Estate Planning

How the SECURE Act Affects Your Retirement & Estate Planning

In late December 2019, President Donald Trump signed into law the Setting Every Community Up for Retirement Enhancement Act (SECURE Act). Many of the changes...
Have Enough Money Retirement

Do You Have Enough Money For Retirement?

Not having enough money for retirement is a problem that plagues a lot of older Americans. Baby boomers have been especially affected by the...
Variable Annuities Explained

What Is a Variable Annuity Explained – Definition, Pros & Cons

Annuities are among the oldest investment options - in fact they have centuries of history. Especially over the past century, fixed income annuity contracts...
Financial Planning Musicians Performing Artists

Financial Planning Guide for Musicians & Performing Artists

In addition to having been a professional or semi-professional musician throughout my entire adult life, I've also served as a life insurance advisor and...
Self Directed Ira Rules

Self-Directed IRA Rules & Prohibited Investments

When you participate in an IRA (e.g. traditional IRA or Roth IRA), a custodian or trustee will serve as the administrator of your account. You'll...
Broken Egg 401k Sitting On Cash

Borrowing From Your 401(k) – 6 Reasons Not to Get a...

When it comes to retirement savings, there's good news, bad news, and more bad news. The good news is that most Americans today have access to...
Etf Versus Mutual Fund Differences

ETF vs. Mutual Fund – 7 Key Differences Between Index Funds...

Building a balanced portfolio with individual stocks can be expensive and time-consuming. If you're looking to save for retirement, or you hope to earn supplemental...
Roth 401k Postit Desk Cash

What Is a Roth 401(k) – Retirement Plan Rules & Limits

For years, the traditional 401(k) plan has been the most popular workplace retirement account. However, there's a new alternative that's been growing steadily in the...