Not All Retirees in These 11 States Will Be Taxed, Accessing Debt the Right Way, Putting Your Money to Work With Minimal Risk

Ways You Can Assess, Manage and Pay Off Debt | States That Tax Social Security Benefits | Many Medicare Advantage Members Are Finding Challenges With Their Plans Created for {EMAIL} | [Web Version]( September 7, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [Twitter]( [Youtube]( [Instagram]( [SIGN UP]( ⋅ [WEBSITE]( [] Top story [] [Ways You Can Assess, Manage and Pay Off Debt]( [Ways You Can Assess, Manage and Pay Off Debt]( (Getty Images) Average personal debt is lower now than it was in 2019, but many Americans still struggle with debt. Christian Mitchell, chief customer officer at Northwestern Mutual, lists five ways to both [pay it down and grow your wealth](. [] Taxes [] [States That Tax Social Security Benefits]( [States That Tax Social Security Benefits]( (Getty Images) It’s becoming less common for states to tax Social Security benefits, but 11 states still do. The good thing is that not all retirees who live in these states will be taxed. Does this include you? 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[] Wealth Creation [] [3 Investments That Put Your Money to Work With Less Risk]( [3 Investments That Put Your Money to Work With Less Risk]( (Getty Images) As you near retirement, it can be harder to confidently weather fluctuations in the markets as you may have less time to recover losses, writes Rich Guerrini, an executive at PNC Investments. But, there are [less-risky investment classes and financial products]( that can still put your money to work while hedging against swings in the market. [Remember: Retirement Accounts Are Not All Taxed the Same]( How you handle your pre-tax and after-tax accounts can make a big difference in your income in retirement and the legacy you leave. By designing a plan for each account, you can balance your retirement objectives: 1. Minimize your taxes 2. Increase your income 3. Leave a larger legacy Learn how with a complimentary IRA2Income or Savings2Income plan. 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