Finally, IRS rules require that any physical metals held in a retirement account must be stored at an IRS-approved depository — meaning you cannot hold the gold yourself. Failure to comply can trigger ...

High-income households can use what's called a "backdoor Roth" to utilize a Roth IRA despite the program's standard income restrictions. This can be an effective way to build a tax-free stream of ...

Imagine that you have $900,000 in a Roth IRA and collect another $2,200 per month in Social Security. Can you afford to ...

Opening a Roth IRA might be the single best retirement decision you can make. While Roth IRAs don’t offer immediate tax gratification like other types of retirement accounts, they do give you tax-free ...

Take a tax hit today to avoid one later?

Switch from a “forever” mindset—high yields may hide structural limits that cap returns. Click here to know more.

Roth conversions are widely considered financially advantageous. Financial advisors often recommend them, and online ...

Should you max out your IRA as soon as possible, or make even contributions throughout the year? Here’s what to know about when to make IRA contributions. Many, or all, of the products featured on ...

Rebalancing your portfolio is a critical – yet often misunderstood – aspect of long-term investing. In our recent Morningstar Investor subscriber webinar featuring portfolio strategist Amy Arnott and ...

Retirement planning isn’t just about saving money. Here’s how to approach it with strategy by aligning income, risk, taxes and lifestyle goals for long‑term security ...

If your FRA monthly benefit is $2,778, for example, waiting until 70 would boost that to $3,575. Starting at 62, though, will result in a monthly payment of just $1,822. The Social Security Quick ...

Recent research supports moving away from rigid withdrawal rates. Morningstar’s December 2025 analysis recommends a 3.9% starting safe withdrawal rate for new retirees with a 30-year horizon—not 4%.