A Step-by-Step Guide to Retirement Planning by Each Age | These Three AI Stock Picks Could Outsmart the Market | Bank Overdraft Fees Could Soon Drop Significantly
Created for {EMAIL} | [Web Version]( January 18, 2024
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[] [A Step-by-Step Guide to Retirement Planning by Each Age](
[A Step-by-Step Guide to Retirement Planning by Each Age]( (Getty Images)
Most people believe that as soon as you leave school and start working, you should save for retirement. This overly simplistic view fails to consider key steps you should take based on your age and how far you are from your desired retirement date. A better approach is to consider retirement planning in phases of life, each with its own unique methods, writes investment adviser Jared Elson. Applying [these retirement planning practices]( to each stage of your life will help put you on the right path to the retirement of your dreams. [] Stocks
[] [These Three AI Stock Picks Could Outsmart the Market](
[These Three AI Stock Picks Could Outsmart the Market]( (Getty Images)
An artificial intelligence stock-picking platform leveraging Big Data could just be the edge tactical investors and traders need to navigate an increasingly uneasy market. [Here are three of its top stocks to watch over the next few months](. [Vanguard vs. Fidelity vs. Schwab](
Who are you partnered with? See how these popular brokerage firms stack up when it comes to fees, resources, and specific services, so you can decide on the right fit for you. [LEARN MORE]( ADVERTISEMENT [] In the News
[] [Bank Overdraft Fees Could Soon Drop Significantly](
[Bank Overdraft Fees Could Soon Drop Significantly]( (Getty Images)
The government’s consumer watchdog agency has a plan to curb bank overdraft fees, with some dropping to as low as $3. These fees, which currently can be as high as $35, cost U.S. consumers billions of dollars. The rules are aimed at closing “a longstanding loophole that allowed many large banks to transform overdraft into a massive junk fee harvesting machine,” said Rohit Chopra, head of the watchdog agency, which has [opened a comment period for the public to weigh in]( on the plan. [] State Tax
[] [Option Contracts Offer Tax Advantages, But Beware of Risks](
[Option Contracts Offer Tax Advantages, But Beware of Risks]( (Getty Images)
The last couple of years have been an unpleasant surprise to many people counting on investment gains. Nevertheless, there are still opportunities to improve potential returns. Financial planner Samuel Gaeta explains that one of these opportunities used in flat or downward markets is the call option. Not only is this strategy used for simple cash infusions, [several tax benefits come along with it](. [Is your money working hard enough?](
It should be! Learn how Bettermentâs automated investing and savings technology can make your money hustle, while you don't. [LEARN MORE]( ADVERTISEMENT [Advertisement] Featured Content Sponsored Content from Kiplinger Advisor Collective [Join the Kiplinger Advisor Collective Today]( Are you a seasoned financial professional with a wealth of experience waiting to be shared? Do you dream of expanding your influence within the industry and connecting with like-minded peers? The Kiplinger Advisor Collective is the ultimate platform for personal financial experts like yourself. [Find out more](. [] Personal Finance
[] ['Simple' Scam Messages May Fool Even The Most Discerning Eye — What to Know](
Scams are becoming more difficult to spot, so if a 'friend' sends a text asking for a favor, it may be wise to think twice, report says. [Read More]( [] Savings Accounts
[] [Earn 5.5% APY on Your Savings in 2024 With This High-Yield Account](
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Vanguard Personal Advisor provides ongoing portfolio adviceâalong with support and personal coaching to help you make decisions, tackle challenges and complexities, and stay aligned with your goals. [Start the conversation today.]( Paid non-client promotion [LEARN MORE]( ADVERTISEMENT ABOUT KIPLINGER
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