Personal Finance

This Is How You Can Adapt to Social Security Uncertainty

Personal Finance /
This Is How You Can Adapt to Social Security Uncertainty

(Image credit: Getty Images) The Social Security trust fund that pays benefits to retirees is projected to face a shortfall by 2033, according to the latest report from Social Security’s Board of Trustees. At that point, payroll taxes would cover only about 77% of promised benefits. The headlines sound dire, but for affluent retirees, panic

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If You’re Not Doing Roth Conversions, You Need to Read This

Personal Finance /
If You're Not Doing Roth Conversions, You Need to Read This

(Image credit: Getty Images) Roth IRAs are a valuable tool for savers, but they remain underused. As of 2024, only 26% of U.S. households owned one. However, among those households, 65% said they have a defined strategy for managing income and assets in retirement. That suggests those who embrace Roth strategies often do so within

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