Overreacting to market movements or trying to 'time the market' by guessing its future direction can create additional risk that could negatively affect long-term portfolio performance.

After age 65, retirees can use HSA funds for any purpose without incurring a penalty.

It’s a good idea to regularly review beneficiary designations to be sure they are complete and reflect current wishes.

Each year from October 15 to December 7, Medicare offers an Open Enrollment period during which beneficiaries can review coverage options and make changes as appropriate.