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Hedging Against Longevity

We recently wrote about the role annuities can play in your retirement plan. We noted that a basic, traditional annuity provides guaranteed income that you can’t outlive. Academic and industry research confirms that retirement plans are stronger and more secure with...

Can I Really Make My IRA Dollars Tax-Free?

Can you really make your IRA dollars tax-free? If you’re an avid, or even occasional, reader of personal finance books, magazine articles or blog posts, you’ve probably come across this topic. If not, your first reaction may be, “Since there’s no such thing as a free...

Divorce, IRAs and Bankruptcy

It’s very common in divorce settlements for retirement accounts to be divided between the spouses. In a rather traditional situation, in which an empty-nest couple divorces after several decades of marriage, the husband would give up some portion of his 401(k) and/or...