How to Tap A Jumble of 401(k)s and IRAs

Q: I've worked for many employers and now have a menu of 401(k)s, 403(b)s, ...
Q: I've worked for many employers and now have a menu of 401(k)s, 403(b)s, IRAs, and 457(b)s. When I turn 70 1/2, I'll have to start taking required distributions. Does the I.R.S. care if I...

Can My Spouse Qualify for Medicare on My Work Record?

Q. Your questions often relate to Social Security benefits for spouses, esp...
Q. Your questions often relate to Social Security benefits for spouses, especially lower income-earning spouses, or spouses who have not worked. Does Medicare have similar considerations? I have worked all my life. My spouse worked...

4 Simple Steps to Designing Your Retirement Roadmap

Q: I am a newly retired 65-year-old woman who lives alone in New York City....
Q: I am a newly retired 65-year-old woman who lives alone in New York City. I plan to move to Florida or overseas because the costs are so high. How should I approach the move...

4 Steps for Maxing Out Social Security Survivor Benefits

Q. My spouse is much older than I am, and will most likely die well before ...
Q. My spouse is much older than I am, and will most likely die well before I do. We’re confused about how survivor benefits would work in our situation. What can you tell us? A....

The Best Way To Tap Your Retirement Accounts

Q: I recently retired and need to start taking withdrawals from my retireme...
Q: I recently retired and need to start taking withdrawals from my retirement accounts. I'll start with my taxable accounts, first focusing on money markets. Beyond that, what’s the best strategy? A: Just as you...

When to Take Your Kid Off Your Credit Card

Q: When our son graduated from high school, we added him to our Discover Ca...
Q: When our son graduated from high school, we added him to our Discover Card and a Chase Visa account. After college, he joined the Marines and has since established credit with cards from USAA...

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