Personal Finance
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Personal Finance Topics
Taxes
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An IRA Strategy That Lowers Your Tax Bill
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Your HSA Needs a Succession Plan
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The RMD Mistakes That Could Increase Your Tax Bill
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Early Retirees: Why Now Is the Time to Convert Your IRA to Roth
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Why Low Dividend Yields Are Actually Good News for Investors Seeking Income
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Ed Slott: Don’t Waste Your Low-Tax Years in Retirement
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7 Investments to Keep Out of Your Taxable Account
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Tax-Efficient Retirement-Saver Portfolios for ETF Investors
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Tax-Efficient Retirement-Saver Portfolios for Vanguard Investors
Saving and Spending
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You Saved for Retirement. Now Comes the Hard Part
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How the US Compares With 9 Other Countries at Turning Savers Into Investors
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Our Best Investment Portfolio Examples for Savers and Retirees
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Model Vanguard Portfolios for Short- and Intermediate-Term Goals
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Model Portfolios for Short- and Intermediate-Term Goals
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Tax-Efficient Retirement-Bucket Portfolios for ETF Investors
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Tax-Efficient Retirement-Bucket Portfolios for Schwab Supermarket Investors
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Tax-Efficient Retirement-Bucket Portfolios for T. Rowe Price Investors
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Tax-Efficient Retirement-Bucket Portfolios for Fidelity Investors
Medical Expenses and Long-Term Care
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If a Parent Won’t Move, You Might Have to Let Them ‘Fail at Home’
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Your HSA Needs a Succession Plan
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Helping With Your Parents’ Finances? Think Twice Before Joining Their Bank Account
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The Best HSA Providers of 2026
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Elliott Appel: Caring for My Father Put My Life on Pause for 7 Years. Here’s What I Learned
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Is a Long-Term-Care ‘Hybrid’ Policy Right for You?
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The Simplest Way to Plan for Long-Term-Care Expenses
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How Couples With an Age Gap Should Plan for Retirement
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Don’t Fear Long-Term-Care Expenses. Prepare for Them
Save for College
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Our Updated 529 Medalist Rating Methodology Offers More Detail for Investors
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Understanding Your Federal and State 529 Tax Benefits
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529 Plan vs. Taxable Brokerage Account: Why a Hybrid College Savings Strategy May Work Best
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Trump Accounts vs. 529: Assessing the Pros and Cons
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Do You Need a 529 Savings Account? Yes, for Many Reasons
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Your 529 Questions, Answered
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Morningstar’s Guide to 529 Plans
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529 Plans Keep Getting Cheaper: 5 Key Takeaways From Our 2026 Study
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I (Finally) Started Saving for My Kids’ Educations. What Was Stopping Me?
More in Personal Finance
When a Retirement Rollover Goes Wrong, You Pay the Price
A recent IRS ruling highlights the risks of rollover errors.
How the US Compares With 9 Other Countries at Turning Savers Into Investors
The US appears to be a nation of investors, but gaps in workplace retirement plan access leave some workers out.
How Much Can You Safely Withdraw If You Retire Early?
Your retirement time horizon is a big factor, but Social Security, future employment, and changes in spending also matter.
Retirement Planning for Real Life, With Christine Benz
Whatever your family situation, Christine Benz has retirement planning insights tailored to your circumstances.
Ed Slott: Don’t Waste Your Low-Tax Years in Retirement
Christine Benz talks with tax expert Ed Slott about withholding taxes versus quarterly payments, Medicare’s IRMAA surcharge, and how new retirees can create a tax-smart withdrawal strategy.
7 Investments to Keep Out of Your Taxable Account
Some investments are structurally a poor fit for taxable accounts, leaving investors with an unwelcome tax bill.
Is This ETF Still an Unstoppable Yield Machine?
ULTY attracted investors with eye-popping distributions, but its performance has been disappointing.
5 Estate-Planning Mistakes That Could Cost Your Family
Small estate-planning missteps can create major headaches for your heirs.
Retirement Planning for Parents Raising a Child With a Disability
How families can prepare for a child’s long-term financial needs while securing their own retirement.
TIPS Look Tempting. Should You Buy?
Treasury Inflation-Protected Securities are sporting some of the highest yields ever, but there are a few caveats for investors to consider before making a purchase.
David Booth: ‘The Markets Work Well for Everybody, Not Just the Insiders’
The founder of Dimensional Fund Advisors explains how financial science made investing more accessible and why ordinary investors don’t need to outguess the market.
What’s a Safe Withdrawal Rate After You’ve Already Retired?
Your remaining time horizon can help determine whether you’re spending too much—or too little.
Doing These 3 ‘Wrong’ Things With Your Money? I’m Not Worried
Why a fan of ‘good enough’ investing isn’t losing sleep over these often-criticized financial moves.
401(k) Millionaires: Here’s How to Avoid Going Broke in Retirement
Plus, tips to leverage the SALT deduction and prevent leaving behind a big tax bill.
One Income, Two Retirements: How Couples Can Protect Their Future
Single-earner families should look beyond today’s budget and consider retirement savings, emergency funding, workforce reentry, and future Social Security benefits.
These Funds Beat the Index By Going Full Tilt
Short-term changes in active fund success rates are noise, not signal.
Ask the Analyst: TIPS ETFs Protect Against Inflation. So Why Did Mine Lose Money?
Amy Arnott answers nine reader questions, including why TIPS ETFs can lose value, how TIPS ladders work, and where CDs fit in.
The New QCD Reporting Rule Raises a Big Question for IRA Owners
A new IRS reporting code has exposed conflicting custodian practices with IRA checkbook donations.
How Couples With an Age Gap Should Plan for Retirement
An age gap can complicate retirement. Here’s how couples can coordinate Social Security, investments, healthcare, and long-term care.
Scammed Out of Your IRA? You Could Still Owe Taxes
Missing the 60-day rollover deadline has tax consequences, but IRS relief may be available.
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