A J.P. Morgan advisor explains why seniors withdraw 401(k) and IRA funds too early, and smarter ways to protect retirement income.

People are seemingly having a hard time saving apart from their retirement funds.

After retirement, the most important question is not ‘how much you earned’ but ‘in what order you withdraw funds,’” said Yeo ...

According to Morningstar’s new analysis, when you retire, you can start with one withdrawal rate and adjust for inflation—but ...

Vanguard’s How America Saves 2026 report found the most common reasons for tapping a 401(k) in advance were to avoid ...

Record 6% of Americans tapped 401k savings for hardship withdrawals in 2025, up from 4.8% in 2024, as financial stress forces workers to raid nest eggs.

They tell me they’ve been good savers, they’re frugal, they don’t need more. Underspending seems to be part of their ...

Ask people how much they need to retire, and there is a good chance they can throw out a number almost instantly. Maybe it’s ...

MEMPHIS, Tenn. - A whopping 6% of Vanguard customers made an emergency hardship withdrawal in 2025, according to the ...

It might sound backwards, but the people who spent decades earning the most should be the last ones running out of money in ...

There's a reason I keep returning to this account year after year.