Retirement Planning Editorial Team
Retirement Planning Editorial Team is the collective byline for our editorial team and contributor network. Articles published under this byline or an editorial pen name are researched, written, and reviewed according to our editorial standards for clarity, consistency, and independence before publication.
Building a Retirement Plan After 45: A Step-by-Step Approach
A practical, structured process for adults in their mid-40s and beyond to assess where they stand, set targets, and take consistent action toward retirement.
Calculating How Much You Actually Need to Retire
Learn the frameworks used to estimate retirement income needs, including the 4% guideline, replacement rate concepts, and factors that shift your number.
Catch-Up Contributions Explained: The Retirement Savings Rule Designed for Older Workers
Adults 50 and over can contribute more to retirement accounts each year. Here is how catch-up contributions work and what they can realistically accomplish.
Defined Benefit vs Defined Contribution Plans: What the Difference Means for Your Retirement Income
Pension or 401(k)? Learn how defined benefit and defined contribution plans work differently and what each means for your long-term income security.
Retirement Planning From Scratch: A Complete Primer for Adults Starting Late
New to retirement planning at 40 or 50? This guide covers the core concepts, accounts, and strategies to help you catch up and plan with confidence.
Retirement Savings Myths That Keep Adults From Acting Sooner
From 'I'll save more next year' to 'Social Security will cover it': common retirement misconceptions examined against what the evidence actually shows.
The Language of Retirement: Key Terms Every Saver Should Understand
Defined Benefit, RMD, vesting schedule: a plain-language reference to the retirement planning terms you'll encounter and what they actually mean.
Traditional IRA vs Roth IRA: Choosing the Right Account When Time Is Short
A side-by-side look at Traditional and Roth IRAs for adults in their 40s and 50s, covering tax treatment, withdrawal rules, and eligibility limits.
Why Catching Up on Retirement Savings Is Harder Than It Looks
Understand why late starters face compounding disadvantages and what financial concepts explain the gap between where you are and where you need to be.