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Individual Retirement Accounts (IRAs), which hold over half of total private retirement assets, were introduced as a way for workers without an employer-sponsored plan to save for retirement in a tax-advantaged account. Instead, they have been primarily used as a vehicle for rollovers from employer-sponsored plans, with direct contributions…
Even the best-laid plans can go awry. Retirees face the risk of a large healthcare spending shock for medical or long-term care (LTC) either because their health insurance involves significant cost sharing or because they lack insurance entirely in the case of LTC…
