Combating the 4 Headwinds of Retirement, Prominent Bank Begins ‘Relationship Tiers’, The End of Free Returns?

Budgeting pro tips and two other essential money hacks Created for {EMAIL} | [Web Version]( January 10, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Youtube]( [Instagram]( [SIGN UP]( ⋅ [WEBSITE]( [] Top Story [] [The Four Headwinds of Retirement and How to Combat Them]( [The Four Headwinds of Retirement and How to Combat Them]( (Getty Images) In addition to knowing how to save and invest properly, it’s crucial for you to be aware of the potential obstacles that could threaten your financial security, some within your control, and others not, writes retirement expert Sam Liang. Don’t let [these potential barriers]( threaten your financial security. *Stay up to date with Kiplinger. Follow us on your preferred social media platform(s): - [Facebook]( - [X]( (Twitter) - [Instagram]( - [TikTok]( [] Stocks [] [What Are the Magnificent 7 Stocks?]( [What Are the Magnificent 7 Stocks?]( (Getty Images) The Magnificent 7 stocks were market leaders in 2023 and have been long-time outperformers. [Here's a closer look at the group of mega-cap stocks](. [Is your money working hard enough?]( It should be! Learn how Betterment’s automated investing and savings technology can make your money hustle, while you don't [LEARN MORE]( ADVERTISEMENT [Advertisement] [] In the News [] [Prominent Bank Begins To Put You Into 'Relationship Tiers' This Month]( [Prominent Bank Begins To Put You Into 'Relationship Tiers' This Month]( (Getty Images) Citi has now begun to launch its new “relationship tiers’ structure for retail accounts that closely resembles travel rewards programs that offer perks as balances increase. The launch, which already began last year for new accounts, will take place in stages this year for existing customers [helping those with certain average monthly balances in their checking or savings accounts avoid fees](. [] Smart Financial Planning [] [Budgeting Pro Tips and Two Other Essential Money Hacks]( [Budgeting Pro Tips and Two Other Essential Money Hacks]( (Getty Images) It’s the perfect time to see how you can adjust your spending habits and budget better to save money, especially considering the inflationary challenges of the last few years. Financial planner Shane Cummings details [helpful tips and tricks to take advantage of in the new year](. [Can you benefit from working with a Vanguard advisor?]( Vanguard advisors are fiduciaries, and they don't earn commissions—so you can trust they'll always put your interests first. You get advice that's tailored to your unique goals. 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[Find Out How Here]( [] In Case You Missed It [] [The End of Free Returns?]( If you received a gift this holiday season that deserved a clear "thumbs down", you may find yourself forking out the money to return it. Unfortunately, many retailers are ending free merchandise returns, citing fraud and cost. [Read More]( [7 Mistakes to Avoid When Hiring an Advisor]( Working with a financial advisor can be a crucial part of retirement planning. But choosing the wrong one can wreak havoc on your investments. Here are 7 common mistakes to avoid when hiring a financial advisor so you can work towards a more comfortable retirement. [LEARN MORE]( ADVERTISEMENT ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. 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