Strategies

Saving for retirement was the easy part. Spending it wisely is where real strategy begins. Learn how to withdraw from your 401(k) in ways that minimize taxes and maximize your money.

A rollover done right costs nothing. Done wrong, it can cost you thousands in taxes and penalties — plus retirement money you can never get back. Learn how to move your funds safely.

RMDs don't have to mean massive tax bills. With the right planning — ideally starting years before your first required distribution — you can substantially reduce the lifetime tax burden on your savings.

Learn how Social Security spousal benefits work, who qualifies, and strategies married couples can use to maximize their combined lifetime benefits.

The difference between claiming Social Security at 62 versus 70 can exceed $100,000 in lifetime benefits. Here's how to find the claiming age that's right for your situation.