Four Threats to Retirement’s Distribution Phase, Tips for Using a 529 Plan, Creative Estate Planning Strategies

How to Embrace Your Financial Wellness This Fall | Retirement Accounts Are Not All Taxed the Same | Using a 529 Plan? Here's What to Keep in Mind Created for {EMAIL} | [Web Version]( September 24, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [Twitter]( [Building Wealth]( [Youtube]( [Building Wealth]( [SIGN UP]( ⋅ [WEBSITE]( [] Personal Finance [] [How to Embrace Your Financial Wellness This Fall]( [How to Embrace Your Financial Wellness This Fall]( (Getty Images) Economic uncertainty can take a toll on your mental health if you don't [stay on top of your financial wellness](. CFP Greg Ward offers some advice on where to start. [] Saving for Retirement [] [Retirement Accounts Are Not All Taxed the Same]( [Retirement Accounts Are Not All Taxed the Same]( (Getty Images) 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. Investment adviser Jerry Golden shares ways to [allocate your income to make the most of it](. [How automated tech makes investing easy]( Stay chill while your money works for you, with Betterment's tax-smart tools and automated technology. Investing involves risk. Performance not guaranteed. [LEARN MORE]( ADVERTISEMENT [] College [] [Using a 529 Plan? Here's What to Keep in Mind]( [Using a 529 Plan? Here's What to Keep in Mind]( (Getty Images) As the school year progresses, ensure you're [using the money from your 529 plan]( for qualified expenses and keeping track of documentation, advises CFP Julie Virta. Taxes and options for unused funds are also considerations. [] Estate Planning [] [Creative Estate Planning Strategies for Uncertain Times]( Flexibility in the estate planning process is key so you can adjust your plans to address changes in your goals or accommodate legislative shifts, according to CFP Paula Nangle. [Read More]( [Unlocking Generational Wealth - Owning Innovative Companies for the Long Run]( In today's evolving financial landscape, generating lasting wealth requires a strategic approach that goes beyond short-term gains. Watch this SAM webinar as we share our insights on the power of investing in innovative and promising companies that have the potential to grow over time. [WATCH NOW]( ADVERTISEMENT [] Retirement Planning [] [Four Threats to the Distribution Phase of Retirement]( Financial adviser Cliff Ambrose recommends keeping challenges such as inflation, market volatility and more in mind when it's time for you to shift from saving for retirement to spending. [Read More]( [Will My Social Security Last Long Enough?]( Financial myths can make it difficult to plan your retirement — and then stick to that plan. When mapping out your retirement years, it's critical to have the right information. [LEARN MORE]( ADVERTISEMENT [] Also on Kiplinger [] - Why we need [medical professionals in investing]( - Costs of [34 Medicare drugs to be capped]( at $618 until December - The 10 [cheapest countries to visit]( - 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's 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’s Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger’s Retirement Report]( and [Kiplinger’s 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 US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036