Retirement

If you're trying to save for retirement, a Roth IRA could be one of your most powerful tools. But until recently, high earners couldn't take advantage of these retirement accounts.

Social Security has promises to pay out $41.4 trillion in future benefits, but it has just $34.5 trillion in assets and expected income to cover those promises. You do the math.

Mitt Romney recently turned 65, but won't be signing for Social Security anytime soon. It's not because he's rich, and it's not because he hopes to be in the White House, either: It's because he's following the smart money course.

Get ready to play the retirement game even more cautiously: The common wisdom that a 4% annual withdrawal rate is the safe way to avoid outliving your money is increasingly coming under fire. In fact, it may well become a thing of the past.

Ahead of AARP's planned "secret" salon on the future of Social Security, we offer two retirement experts' dramatically different proposals for solving the crisis. Chuck Saletta's view: You can't fix the program with tweaks and small changes.

Everyone's predicting the worst for Social Security. But should the chance of cuts in a quarter-century really have us in a panic today? Retirement expert Dan Caplinger explains why there's really no need for major changes.

If tax rates rise -- and experts say they will -- a way to grow your money tax-free starts looking mighty good. Meet the Roth IRA.