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Rita Williams

Rita Williams

BlueSurf

Recent articles

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Closing the Retirement Gender Gap: 3 Steps All Women Should Take

It's especially important for women to prioritize retirement savings.


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This Is How Much Millennials Have Saved for Retirement. This Is How Much They'll Need.

Millennial retirement savings showed an impressive 400% increase over the past decade. But more may be required.


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Don’t Have a Retirement Plan? Here’s How IRAs Can Help

Put yourself in position to retire comfortably.


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How to Reassess Your Insurance Needs When You Retire

With the right strategies and some planning, you can save on premiums, avoid penalties, and drop policies you no longer need.


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2 Law Changes Retirees Need to Know About Before Tax Day

Know these two big differences from last year before you file.

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Before You Start Saving for Retirement, Do This One Thing First

Get those spreadsheets out! It's time to budget.


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3 Reasons Converting a Traditional IRA to a Roth IRA Could Be a Wise Choice

Over the income limits for a Roth IRA but still want its tax benefits? A backdoor IRA can come to the rescue.


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Workplace Retirement Savers: Know the Tax Rules for Your Traditional IRA

You need to know the income limits if you want a tax deduction.


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5 Things Every 25-Year-Old Needs to Know About Retirement Savings

Make time your friend, and think about retirement now.


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3 Things to Know If You Plan to Work While Receiving Social Security

Before you commit to working while collecting benefits, learn about income limits, potential withholding, and tax treatment.

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One Huge Reason You May Not Be Saving Enough for Retirement

Time keeps on ticking, ticking, ticking into the future.


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Why You Absolutely Need to Plan for a Financial Shock in Retirement

Healthcare expenses and widowhood can place retirees in financial jeopardy -- and the risk is getting worse with time.


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Don’t Retire Until You Know These 4 Facts About RMDs

Once you turn 70 1/2, the IRS wants its cut of your retirement savings. And if you don't take your RMDs, you'll get hefty penalties and extra tax.


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Zero Saved for Retirement? 4 Steps to Get Back On Track

Remedy your retirement savings hole by starting to save money immediately and reducing your expenses.


inflation with calculator

3 Ways Inflation Affects Your Retirement Savings

Broad price increases diminish the value of your investments over time -- so choose investments that deliver a rate of return higher than the inflation rate.

tax free blackboard

Why Younger Investors Should Absolutely Love the Roth IRA

Withdrawals from a Roth IRA are tax free in retirement -- and you can withdraw funds for a down payment on your first home, free of both tax and penalties.


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Have A Medicare Advantage Plan? Here's How Open Enrollment Works

Now is your chance to review your coverage and costs to make your plan fits your needs.


Social Security and money

3 Ways to Maximize Your Social Security Benefits in 2019

Knowing which factors influence the amount you receive can help you boost your Social Security benefits as high as they can go.


debt past due

3 Things to Do If You’re Facing Retirement With Debt

Manage repayment strategically, because a large debt burden can impair a fixed-income retirement.


divorce, wedding cake

3 Things to Know About Social Security if You’re Divorced

Even if you're no longer married, a spousal benefit could help maximize your Social Security benefits during retirement.