A 64-year-old widow faces a series of high-stakes financial decisions all at once: when to claim Social Security, how to ...

We break down the tax implications, advantages and downsides of using your cash value to supplement your retirement savings ...

Life insurance is a contractual agreement between an individual (the policyholder) and an insurance company. Under the contract, the insurer promises to pay a designated beneficiary a sum of money ...

Both Roth IRAs and life insurance policies can provide access to tax-free income in retirement. Roth IRAs have income limits, and gains generally can’t be accessed without penalty before age 59½. The ...

Most people purchase a life insurance policy so their loved ones are taken care of when they die. But what if you wanted to cash in on that policy while you’re still alive, to pay for necessities now?

Taxes are often one of a retiree’s biggest expenses. I've never met anyone who saved for a year for the ability to pay more taxes on their retirement income. Building a retirement income you won't ...

Forbes contributors publish independent expert analyses and insights. I am the Executive Chairman of Diversified, a CFP and author. Without the right protection in place, even the most well-crafted ...

Jonathan Ponciano is a financial journalist with nearly a decade of experience covering markets, technology, and entrepreneurship. MoMo Productions / Getty Images According to a 2025 study, 93% of ...