Thinkstock Quick Read People with a financial advisor have approximately double the retirement savings compared to those without one. Retirees who claim Social Security at suboptimal times lose hundreds of thousands of dollars over their lifetime. Financial advisors help non-wealthy individuals budget and maximize tax-advantaged retirement accounts. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. ...

Jackson® (NYSE: JXN) is committed to helping clarify the complexity of retirement planning—for financial professionals and their clients. Through our range of annuity products, financial know-how, history of award- winning service* and streamlined experiences, we strive to reduce the confusion that complicates retirement planning. We take a balanced, long-term approach to responsibly serving all our stakeholders, including customers, shareholders, distribution partners, employees, regulators and community p ...

退休账户选择策略 - 强烈建议所有收入水平的投资者优先选择罗斯账户（罗斯IRA和罗斯401(k)），而非传统的延税账户，因为罗斯账户提供免税增长和免税提取 [3] - 罗斯IRA的一个关键优势是允许在生命中的任何时点进行免税提取，这为紧急财务需求提供了灵活性 [4] - 如果雇主同时提供罗斯401(k)和传统401(k)，应选择罗斯401(k)，因其资金可转入不受规定最低提取额限制的罗斯IRA [5] 投资行为与市场时机 - 对于距离退休还有10年或更长时间的投资者，不应在市场下跌时抛售股票，而应将市场波动视为增加持股的良机，因为市场通常会反弹 [6] 雇主退休福利利用 - 必须充分利用雇主提供的401(k)匹配供款，未能获取全额匹配等同于放弃免费资金，长期累积可达数万美元 [7] - 在向罗斯IRA供款之前，应优先向提供匹配的雇主401(k)计划供款至可获得全额匹配的额度 [4] 退休储蓄的财务纪律 - 应避免为重大开支（如支付子女婚礼费用）而动用退休储蓄或停止供款，即使是为了重要的生活事件，也不应以牺牲退休资金为代价 [8]

Perhaps you have built up more than enough savings to support your retirement and wish to pass on some of your assets to future generations. Multigenerational goals will require a different outlook. In this case, maintaining a more aggressive, equity-oriented asset allocation could make sense since the time horizon will extend beyond your retirement period into the next generation(s). (And if you need help setting financial goals, like retiring by a certain age, a financial advisor can help .)If you feel th ...

Key Points Many changes happen to Social Security each year. Some changes impact current retirees more than others. In 2026, work limits and the COLA will have the biggest impact. The $23,760 Social Security bonus most retirees completely overlook › If you are retired, there is a good chance you're getting at least some -- and potentially most -- of your household income from the Social Security Administration. Social Security benefits are a critical source of funds for seniors because they don ...

Key Points Don't take withdrawals without a plan. Don't unload too much risk. Don't forget about the importance of cash. The $23,760 Social Security bonus most retirees completely overlook › If you're gearing up to retire in 2026, you may be spending the next few months counting down happily in your head. Hopefully, though, you'll be doing a lot of financial planning as well. It's important to decide when to claim Social Security ahead of retirement so you choose the filing age that works for yo ...

2026年社会保障生活成本调整及公众担忧 - 2026年社会保障生活成本调整幅度为2.8%，平均每月增加56美元，相关支付将于2026年1月开始 [1][2] - 近半数50至60岁的中产阶级美国人将“社会保障福利减少或终止”列为最大的退休担忧，同时有39%的人担心福利在未来几年会被削减 [3][4] - 四成中产阶级美国人预计社会保障将成为其主要收入来源，这种依赖加剧了人们对退休规划的持续焦虑 [3] 调整幅度与实际生活成本脱节 - 许多退休人员认为年度生活成本调整未能跟上实际生活成本上涨，普遍质疑2.8%的增幅“不够” [4][5] - 老年家庭指出，调整未能反映其实际面临的价格上涨，特别是在医疗保健、交通、住房、食品和公用事业等领域 [5] - 自2010年以来，退休人员已失去显著的购买力，导致在必需品价格上涨的背景下，2.8%的调整幅度显得不足 [5] 社会保障焦虑对退休策略的影响 - 专家建议对退休计划进行压力测试，考虑福利减少10%至20%的影响，以建立财务弹性 [6] - 仅四分之一60多岁的人拥有书面退休计划，突显了规划缺口 [6] - 若可行，建议延迟申领福利至70岁，每年可永久增加福利，以抵消未来政策或通胀意外，并可结合兼职工作以减少投资组合的早期提取 [6] 构建多元化退休收入来源 - 最大化401(k)、403(b)或个人退休账户的供款及雇主匹配，使更多退休预算来自储蓄而非仅依赖社会保障 [6] - 收入来源应多元化，结合保障性收入与市场资产，并在财务顾问建议下考虑房屋净值策略 [6] - 协调提款与税务规划，通过优化申领时机、罗斯账户转换和 Required Minimum Distributions 的规划，可以有效提升税后收入 [6]

投资组合资产配置 - 在积累财富阶段为促进投资组合增长应重仓股票[3] - 临近退休时需减少股票持仓以避免过度暴露于市场波动[4] - 股票在退休资产中的配置比例应取决于收入需求和风险承受能力 例如有人可接受60%而有人超过30%即感到不安[5] 退休收入规划 - 退休前需进行投资组合再平衡并确保未过度投资于波动性资产[7] - 为获得定期收入应投资于可预测支付收益的资产[8] - 成长型股票在财富积累阶段可带来高收益但通常不是股息收入的良好来源[8]

Many Americans have access to retirement planning through their employers via a 401(k) plan. These employer-sponsored retirement plans simplify saving for retirement in various ways. For years, most plans were traditional, meaning the funds went into your 401(k) account pre-tax, giving you the tax benefit now. Roth 401(k) plans have grown in popularity in recent years, which gives the tax benefit upon withdrawal of funds. While 85% of employer-sponsored plans offer a Roth 401(k) option, only 18% take adv ...

文章核心观点 - 社会保障福利是退休后终身有保障的月度收入来源 增加福利金额可提升退休财务稳定性 [2] - 通过三种关键策略可以增加个人未来领取的社会保障福利金额 [3] 增加社会保障福利的策略 - **通过兼职工作增加收入**：任何需要纳税的收入（包括兼职）都会计入未来社会保障福利的计算基数 增加收入可直接提升未来福利金额 同时额外收入也有助于每年向个人退休账户或401(k)计划存入更多资金 [4][5] - **延迟申领超过完全退休年龄**：完全退休年龄为67岁（适用于1960年或之后出生者） 每延迟一年申领 月度福利将增加8% 此激励持续至70岁 从而获得更高的月度支票 [6] - **撤回提前申领的申请**：最早可在62岁申领福利 但会永久性大幅削减月度福利 撤回提前申领的申请可作为一种补救策略 [9]