How a Roth Conversion Can Head Off Medicare’s IRMAA | Network Now to Build a Better Retirement Later | How Women Can Beat the Gender Pay Gap

Does Gold Belong in Your Retirement Plan? | How Women Can Beat the Gender Pay Gap | How 'Home-Based Planning' Addresses Long-Term Care Created for {EMAIL} | [Web Version]( August 11, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Building Wealth]( [Youtube]( [Building Wealth]( [SIGN UP]( ⋅ [WEBSITE]( [] Saving for Retirement [] [Does Gold Belong in Your Retirement Plan?]( [Does Gold Belong in Your Retirement Plan?]( (Getty Images) There's something sexy about a shiny gold bar, but [should you go for the glitter](? If you're tempted, a four-pronged investing approach could be best, according to financial professional Michael Joseph. [] Women & Money [] [How Women Can Beat the Gender Pay Gap]( [How Women Can Beat the Gender Pay Gap]( (Getty Images) When you're paid less, it's hard to get by, much less save for retirement. And your Social Security benefit could be lower, too. [What's a woman to do?]( Investment adviser Ashley Terrell says: Invest. [7 Secrets About Hiring a Financial Advisor]( Working with a financial advisor can be a crucial part of any healthy retirement plan. But choosing the wrong one could wreak havoc. Check out these 7 secrets comfortable retirees know about hiring an advisor, so you can work to potentially save years of stress. [See the list]( ADVERTISEMENT [] Health Care [] [How 'Home-Based Planning' Addresses Long-Term Care]( [How 'Home-Based Planning' Addresses Long-Term Care]( (Getty Images) Traditional planning for the cost of long-term care doesn't reflect the realities of what the costs are and [how those costs will be paid](. Investment adviser Jerry Golden offers a solution. [] Retirement Planning [] [Why Networking Now Can Build a Better Retirement Later]( Investing in your professional network pays off in the future because meaningful relationships are the top predictor of a long, happy life. Here's how to start, courtesy of human resources expert Anne deBruin Sample. [Read More]( [Help Maximize your Social Security Benefits]( A comprehensive retirement plan should account for all of your sources of income (including Social Security) and all of your retirement expenses. Our advisors can help you make sure you don't miss anything. [LEARN MORE]( ADVERTISEMENT [] Medicare [] [How a Roth Conversion Can Head Off Medicare’s IRMAA]( Financial planner Joe Schmitz notes that if you’ve been a good saver and face large required minimum distributions (RMDs), then you need to plan for how to head off or limit higher Medicare premiums. [Read More]( [5 Things to Know When Building a Retirement Plan]( Just like a movie, a comprehensive retirement income plan incorporates the ebb and flow of cash flows, ensuring your assets align with your living expenses throughout retirement. To build an effective plan, start with these five essential steps. [Learn More]( ADVERTISEMENT [] RELATED KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [What are you willing to do for cheaper car insurance?]( Sharing your credit score and your driving data with your insurance company could help lower your premium (assuming they're both good!). [The secret to supercharging your charitable giving: Low fees]( What are you paying in investment and administrative fees? The less you pay, the more your money grows, and so does the impact your giving makes. [529 plans: What are the differences between the two types?]( Carrying a lot of student debt can be daunting. Luckily, 529 plans are designed to help head off that debt. Check out the main types of 529s and how they work. For the latest ways to earn 5% to 7% cash yield safely and reliably, plus 4 Model Portfolios to show you exactly where to put your money, bank on [Kiplinger Investing for Income](. ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger Retirement Report]( and [Kiplinger Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](mailto:alerts@kiplinger.com) | [ADVERTISE]( [Future]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036