Plain answers
on retirement,
tax and estates.

You can claim at 62, at full retirement age or at 70. For married couples the better question is how long the second of you is likely to live.

The age depends on the year you were born. The first distribution has a deadline that can put two of them in one tax year if you wait.

Retirement accounts, life insurance and transfer-on-death accounts pass by the form on file, not by your will. An old form can quietly override a new plan.

The labels sound alike and mean different things. Three questions that tell you how an advisor is paid and whose interest comes first.

Bringing a portfolio back to its targets should not create a tax bill you did not need. The sequence we follow before selling anything in a taxable account.