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Rita Williams

Rita Williams

BlueSurf

Recent articles

retirement plan notebook

How a Roth IRA Can Save Your Retirement

Worried that your retirement funds will run out? A Roth IRA can ride to the rescue.


stethoscope and bills

This Retirement Account Can Be Better Than a 401(k) and an IRA

HSAs contain many advantages of better-known retirement savings vehicles, and they can be used for any expense -- not just healthcare -- once you hit 65.


stock market in turmoil

5 Tips for Retirees Dealing With a Falling Stock Market

When the market takes a dip while you're retired, hold your expenses steady and maximize your income.


tax concept colorful dice

How Funding an IRA Right Now Might Boost Your 2019 Tax Refund

Tax-deductible IRA contributions can hike your refund this spring while helping to make your retirement financially secure.


tax form

It's Tax Season. Watch Out for These 3 Signs of a Tax Scam

Senior citizens are often targeted by tax scams during this time of year. But frauds are easy to foil if you can identify them.

young people jogging

Retirement Check-In: How Much Are the Youngest Workers Saving?

Time is on their side, yet only 34% of Americans aged 18 to 24 with access to workplace retirement plans are using them.


401k statement with match

Maximum 401(k) Contributions Climb for 2019. Here's What That Means for Savers

Maximum 401(k) contributions are rising by $500 in 2019. Here's how to save for retirement this year.


man looking at document, puzzled

How Will the New Tax Law Affect Retirees?

The changes enacted for 2018 probably affect all of us, even if we don't work anymore.


stacked SS cards

4 Ways Social Security Is Set to Change in 2019

New rules affect the benefit amounts, full retirement age, and the earnings required to qualify for benefits.


retirement savings jar full of coins and alarm clock

How Much Do You Need to Save for Retirement? A Look at the 4% Solution

A plan assuming a yearly distribution of 4% is a good benchmark, but you should factor in several different scenarios.

medicare enrollment

3 Medicare Dates You Need to Know

To avoid potential Medicare penalties and excess costs, you need to keep an eye on three important dates.


401K gold letters

What to Do if Your 401(k) Doesn't Offer a Match

If you work for the roughly 22% of companies that don't offer matching 401(k) contributions, it's generally still a good idea to use the 401(k) for retirement savings. But check your investment options -- and fees.


social security card with money hundred bill

How to Avoid Social Security Scams

The most recent scam involves callers claiming to be from the Social Security Administration. Protect yourself by never giving out personal information to someone you don’t know.


percentage interest rate dollar signs

5 Ways Rising Interest Rates Can Affect Your Retirement

Tip No. 1: Pay down debt.


ss and calculator

What Happens to Your Social Security Benefits if You Retire and Then Go Back to Work?

Your Social Security benefits can be affected, so be sure to plan the timing and how much you earn.