by ff | Aug 12, 2026 | Retirement Planning
Not every early withdrawal from a 401(k) needs a 72(t) plan or a Rule of 55 exception. Plans that permit hardship withdrawals let you take money out for a specific, IRS-defined list of needs — but the rules on what counts, how much you can take, and what it...
by ff | Aug 12, 2026 | Retirement Planning
A reverse mortgage lets you turn home equity into retirement cash flow without selling the house or taking on a monthly payment. It’s also one of the most misunderstood retirement tools — genuinely useful for some situations, genuinely expensive for...
by ff | Aug 12, 2026 | Retirement Planning
Obergefell v. Hodges, decided June 26, 2015, gave same-sex couples a nationwide right to marry, and the Social Security Administration now recognizes those marriages exactly like any other for spousal and survivor benefit purposes. But for couples together for decades...
by ff | Aug 12, 2026 | Retirement Planning
Most 401(k) participants never think about who is legally accountable for how their plan is run — until fees look high or fund options look thin. Under ERISA, someone specific is on the hook, and the standard they’re held to is stricter than most people...
by ff | Aug 12, 2026 | Retirement Planning
For decades, two obscure Social Security provisions quietly cut retirement income for millions of teachers, police officers, firefighters, and other public-sector employees. Both are now repealed. If you spent part of your career in a job that didn’t pay into...
by ff | Aug 12, 2026 | Retirement Planning
A Different Problem From Beneficiary Planning Our beneficiary designation and blended-family guides cover what happens to a retirement account after death. This is the living-incapacity version of the same problem: if you become unable to manage your own affairs, who...
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