Investments

Search retirement articles

Describe your question or enter a few topic words. You do not need to know the exact article title.

What would you like to find?

An older woman holds a coffee cup at a wooden table while another woman sits nearby in a warmly lit home.

Ross Marino | Aug 18, 2026

How Should Investment Risk Change for a One-Person Household?

Investments

Retirement Income

Risk Management

Retirement Planning for Single Women

For a one-person household, investment risk depends on the buffers that protect spending, recovery time, future care, and financial continuity.

An older man walks through a series of security thresholds while a side door remains barred beneath the words “Layered Protection.”

Ross Marino | Aug 18, 2026

How Do You Protect Retirement Accounts From Account Takeover?

Scams & Digital Security

Risk Management

Recordkeeping

Investments

Protect retirement accounts by strengthening the email, phone, device, authentication, alert, and response links that attackers may exploit.

Clay pieces move toward a receiving bowl while one copper piece waits behind a bar reading “CHECK BEFORE MOVE.”

Ross Marino | Aug 18, 2026

What Should You Check Before Moving Employer Stock Out of a 401(k)?

401(k)

Investments

Tax Planning

Retirement Income

Employer stock inside a 401(k) deserves a separate review before rollover instructions make a possible NUA analysis unavailable.

An overhead arrangement shows a concentrated stock position being diversified in three stages, with a tax estimate reviewed at each step.

Ross Marino | Aug 18, 2026

How Can You Diversify a Concentrated Stock Position Without Creating One Large Tax Bill?

Investments

Tax Planning

Risk Management

Retirement Income

A concentrated stock position creates investment risk and a tax decision. Build a staged transition that measures both, rather than letting the gain prevent

Three colorful award paths pass through separate gates before converging into owned shares and continuing toward retirement.

Ross Marino | Aug 17, 2026

What Should You Do With Stock Options, RSUs, or ESPP Shares at Retirement?

Investments

Tax Planning

Retirement Timing

Risk Management

Map every equity award, retirement deadline, tax consequence, and owned-share decision before employment ends.

An older adult crosses a bridge supported by four distinct piers labeled Withdrawals, Liquidity, Stability, and Rebalancing.

Ross Marino | Aug 17, 2026

What Job Should Bonds Perform in a Retirement Portfolio?

Investments

Retirement Income

Risk Management

Bonds can serve different retirement roles. Start with spending dates, liquidity, stability, and rebalancing before choosing a holding.

A cut-paper landscape contrasts a sequence of maturity gates with a broad network representing diversification.

Ross Marino | Aug 17, 2026

Should Retirees Own Individual Bonds or Bond Funds?

Investments

Retirement Income

Risk Management

Individual bonds offer maturity control; bond funds offer diversification and ongoing management. Start with the job your retirement plan needs done.

Miniature movable and locked supports carry a heavy platform beneath the words “What Can Move?”

Ross Marino | Aug 17, 2026

How Should You Reduce Concentrated Employer Stock Before Retirement?

Investments

Retirement Timing

Tax Planning

Risk Management

Turn a concentrated employer-stock position into a staged plan that coordinates exposure, tax lots, retirement timing, liquidity, and award deadlines.

A canal lock separates money already invested from money available later, showing how the withdrawal date determines which rate effect matters.

Ross Marino | Aug 17, 2026

How Do Rising Interest Rates Affect Retirement Income Decisions?

Investments

Retirement Income

Risk Management

Higher rates can lower the value of bonds you already own while improving income on money invested later. See why planned withdrawal dates determine what