Melody Evans, CLU, CFP | Source | Wealth Management Advisor at TIAA
Melody Evans, CLU, CFP
Evans has been a wealth management advisor with TIAA since 2014. She's often interviewed about financial challenges women face with their retirement plans.
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TIAA
Wealth Management Advisor
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When It Pays to Claim Social Security Early
Consider both your financial—and personal—health when deciding when to first start taking benefits.
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Saving for Retirement on Part-Time Pay: The Challenges for Women
Most part-time workers in America are women — leaving them with less access to retirement plans and less money to sock away.
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A major curveball in retirement preparedness: divorce
Divorcees have lower 401(k) balances, less savings, and a more limited monthly retirement income than married people, per a BI analysis.
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Consider your long-term financial goals before deciding what kind of annuity to buy. Ask yourself the following questions:
Do I want steady lifetime income?
Do I want to avoid investment-related taxes during my peak earning years? (Taxes on annuities are deferred until money is withdrawn.)
Do I want to benefit from payouts over a fixed number of years?
Do I want to put off payouts until I start receiving Social Security checks? -
“There is still time for Gen Xers to catch up on their retirement savings and, more importantly, to start planning ahead."
