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Retirement Challenges in 2025: Market Volatility, Inflation and Social Security
Inflation, uncertain markets and a limited Social Security COLA are among the financial hurdles for retirees in 2025. Key Takeaways High interest rates may complicate investment decisions for retirees. Social Security recipients are getting a 2.5% raise, which may lag...
3 Social Security Changes Retirees Need to Know About in 2025
Key Points A modest cost-of-living adjustment (COLA) will make benefit checks bigger. Note that higher earners will pay a bit more in Social Security taxes. Retirees still earning income may have some of their benefits temporarily withheld. The $22,924 Social Security...
If you’re nearing retirement, these 2025 changes could affect your finances. Here’s what to know
Key Points If you’re nearing retirement, key changes for 2025 could affect your finances, according to advisors. Starting in 2025, there’s a higher 401(k) plan catch-up contribution for workers ages 60 to 63. Plus, there are new rules for inherited individual...
A Checklist for Retiring in 2025
Our checklist for retiring next year includes everything you need to do before the retirement party. Only you can know if you're ready for a checklist for retiring in 2025. If you’re 60 or getting there, retirement is no longer a hazy concept in the distance. It’s a...
Social Security’s full retirement age is increasing in 2025. Here’s what to know.
Most Americans may consider the standard retirement age to be 65, but the so-called "full retirement age" for Social Security is already older than that — and it's about to hit an even higher age in 2025. Social Security's full retirement age (FRA) refers to when...
5 Key Changes to 401(k)s in 2025 and What They Mean for You
These new rules could make it easier for you to save more money for retirement Participating in a 401(k) plan where you work is a smart way to invest for retirement. Plus, your employer may match some or all of the money you contribute. In 2025 the rules for 401(k)s...
What’s Changing for Retirement in 2025?
How Secure 2.0 and inflation adjustments will affect retirement savers and spenders. For retirement savers, the ringing in of the new year will bring more than the usual inflation adjustments to retirement contributions. The retirement legislation known as Secure 2.0...
Most Americans Feel They’re Worse Off Now Than In 2020—Here’s What The Data Says
Key Takeaways A recent Gallup poll showed most Americans feel they are worse off today than four years ago. Data on household finances show that things have changed dramatically since September 2020, when the COVID-19 pandemic was affecting the economy. Americans have...
Retirees’ Credit Card Debt Levels Are Climbing
Key Takeaways An Employee Benefit Research Institute survey found that more than two-thirds of retirees had outstanding credit card debt in 2024, up from 40% in 2022. Even though inflation has cooled, high prices weigh on retirees. Almost a third of retirees said they...
Weekly Market Commentary
-Darren Leavitt, CFA Despite all of the uncertainties within the investment landscape, global markets were able to post nice gains last week. Fourth-quarter earnings continued to roll in with notable results from Coca-Cola, McDonald's, Roku, Cisco Systems, Draft...
Weekly Market Commentary
-Darren Leavitt, CFA Uncertainty about global trade continued to be at the top of investors' minds as Trump announced 25% tariffs on Mexico and Canada while levying 10% on Chinese goods. Mexico and Canada's immediate reaction was to place tariffs on US goods. But an...
Weekly Market Commentary
Darren Leavitt, CFA US financial markets were extremely busy last week as a rush to download a Chinese AI platform called Deep Seek from Apple’s App Store seemingly changed the narrative around artificial intelligence in a heartbeat and on multiple fronts. Capital...
Weekly Market Commentary
Darren Leavitt, CFA Wow, what a week! US markets were closed on Monday for Martin Luther King Jr. Day, and Donald Trump was inaugurated as the 47th President of the United States. It was a historic day indeed. The global markets were poised for a barrage of executive...
Weekly Market Commentary
-Darren Leavitt, CFA Financial markets advanced this week as a solid start to the fourth-quarter earnings season, and some better-than-feared inflation data gave investors a reason to buy the most recent dip. The financial sector gained 6.1% on the week as bank...
Weekly Market Commentary
-Darren Leavitt, CFA US equity markets fell in the first full week of 2025 as investors recalibrated their Federal Reserve monetary policy expectations. Stronger labor data, a robust ISM Services print, and a weaker Consumer Sentiment report showing increased...
Weekly Market Commentary
-Darren Leavitt, CFA The final trading sessions for 2024 extended losses from the prior week, but the S&P 500 and NASDAQ still posted impressive gains for the year, 23.3% and 28.6%, respectively. The so-called Santa Clause Rally did not appear for the second...
Weekly Market Commentary
-Darren Leavitt, CFA Market action was mixed in a holiday-shortened week of trade. The Santa Clause rally, which runs for the last five trading sessions of the year through the first two trading sessions of the New Year, kicked off with gains from mega-cap...
Weekly Market Commentary
-Darren Leavitt, CFA Equity and fixed-income markets sold off for the second consecutive week as the Federal Reserve delivered an expected twenty-five basis-point rate cut but pivoted to a much more hawkish stance for 2025, where the committee now expects only two...
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SPOUSAL ROLLOVERS AND THE ONCE-PER-YEAR ROLLOVER RULE: TODAY’S SLOTT REPORT MAILBAG
By Ian Berger, JD IRA Analyst Question: Dear Ed Slott and America’s IRA Experts, I have a rollover traditional IRA that was set up when I left my last job. I am no longer employed, so I don’t have any earned income. My husband works full time, and our filing...
IRS Issues Proposed Regulations on Automatic Enrollment Requirement
By Ian Berger, JD IRA Analyst One important provision of the 2022 SECURE 2.0 law is the requirement that most new 401(k) and 403(b) plans must institute automatic enrollment. This rule is effective for plan years beginning after December 31, 2024. A “plan year”...
Thinking About Making an IRA Contribution? Here Are 10 Things You Need to Know
By Sarah Brenner, JD Director of Retirement Education Tax season is upon us! This is the time of year when many people consider making a contribution to an IRA. If you are thinking about doing so, here are 10 things you need to know. You can still make an IRA...
Inherited IRAs and Roth Conversions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: I just inherited an IRA from my sister. She died at age 74 and I am age 78. Am I required to use the 10-year rule, or can I stretch distributions from the inherited account over my life expectancy? I am...
99%: Good Enough for the Hall of Fame, but Not for Certain IRA Transactions
By Andy Ives, CFP®, AIF® IRA Analyst On January 21, Ichiro Suzuki was elected to Major League Baseball’s Hall of Fame by the Baseball Writers Association of America. It takes 75% of the writer’s support to gain entry, and Ichiro was chosen on 393 out of 394 ballots....
Do I Have to Take an RMD Before Rolling Over My 401(k) Distribution?
By Ian Berger, JD IRA Analyst Here’s one question that keeps coming up: If I retire in the year when I turn 73 (or older) and want to directly roll over my 401(k) funds to an IRA, do I have to first take a required minimum distribution (RMD) from my 401(k)?...
Non-Spouse Beneficiaries and Inherited IRAs: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: Am I correct that a non-spouse Roth IRA beneficiary does NOT have a yearly required minimum distribution (RMD) over the 10-year period? Ken ANSWER: Ken, You are correct. Non-spouse beneficiaries of Roth IRAs that are...
Why You Should Take Your 2025 RMD Now
By Sarah Brenner, JD Director of Retirement Education The deadline for most retirement account owners to take their 2025 required minimum distribution (RMD) is December 31, 2025. However, there are good reasons why you should take your RMD now instead of...
Inherited IRAs – Bankruptcy Protection?
By Andy Ives, CFP®, AIF® IRA Analyst Just over 10 years ago, in June 2014, the U.S. Supreme Court ruled unanimously, 9-0, that inherited IRAs are NOT protected in bankruptcy under federal law. The primary issue before the Court was whether an inherited IRA is a...
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Your life will change. And your plan must change with it. At our regular plan reviews we check for progress, realign to new information, and address any information that is out of date. Our support team is here for you to get you the answers you need when you need them. Regular plan reviews are just another part of doing it the right way.
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