Carrie Schwab Pomerantz

Posted July 20, 2016

Dear Carrie, I'm turning 65 in a few months, and I am still working. I have no immediate plans to retire, but I'm wondering what I should be thinking about as I navigate through this transitional time over the next few years. --A Reader

Posted July 13, 2016

Dear Carrie, My husband and I are both in our sixties with no immediate plans to retire, but trying to plan our finances for when that day eventually arrives. A big question mark is healthcare expenses. We're both healthy now, but of course, who knows what the future holds. Can you provide some guidance on how we can plan? -- A Reader

Posted June 29, 2016

Dear Carrie, Several years ago, I loaned my then 24-year-old son money to buy a car on the condition that he pay it back in monthly installments.

Posted June 22, 2016

Dear Readers, This is always an exciting time of year as new grads -- and their parents -- anticipate the opportunities and challenges that lie ahead.

Posted June 16, 2016

Dear Carrie, I plan to retire in about 10 years and I'm trying to be smart about saving and planning. I've read about the 4 percent rule in the past, but given the economic uncertainty of the last several years, I'm wondering if it still applies? -- A Reader

Posted June 09, 2016

Dear Carrie, I'm 65 and about to retire and I still have a mortgage balance of $100,000 at 4 percent. My investment portfolio and retirement savings are about $1 million. Should I pay off my mortgage before I retire? --A Reader

Posted June 02, 2016

Dear Carrie, I have $85,000 to invest for my grandchildren's education. Where would you suggest I invest it? --A Reader

Posted May 26, 2016

Dear Readers, If you've been following my columns about mindful spending, you know that this is the last week of the 30-day Financial Cleanse. For the past three weeks, each of my columns has focused on a single theme. Week 1 was about getting on top of day-to-day spending; Week 2 focused on creating a realistic monthly budget; Week 3 had you exploring your top three financial goals.

Posted May 19, 2016

Dear Readers, It's hard to believe we're already in Week 3 of our Financial Cleanse. If you're just hearing about it, the Financial Cleanse is a 30-day program my team and I developed to help people focus on how they spend their money. It gives you three simple steps to take each week with the goal of establishing what I call "mindful spending."

Posted May 12, 2016

Dear Readers: If you read my last column, you're already familiar with my new 30-day Financial Cleanse. It was inspired by my own rewarding experience with a food cleanse. The Financial Cleanse is a week-by-week program offering three simple steps per week that, hopefully, will be a real boost to your financial health and maybe to your physical health as well.

Posted May 05, 2016

Dear Readers, Recently, I participated in a 30-day food cleanse. It took discipline and control, of course. But I came away from the experience feeling better, stronger and generally much healthier. And it made me aware of unconscious eating habits that really weren't doing me any good. So what does this have to do with finances?

Posted April 13, 2016

Dear Carrie: I'm thinking of taking a distribution from my Roth IRA. What do I need to know? Are there any taxes or penalties? -- A Reader

Posted April 07, 2016

Dear Carrie: After several years as an employee, I'm launching my own construction business as a sole proprietor. I've got a great accountant for the business side, but need help figuring out the personal side of my money. Can you help? -- A Reader

Posted March 16, 2016

Dear Carrie: I've just had a baby! Things are pretty crazy in my house right now, but I want to be sure I give my daughter every opportunity I can. I have a little bit of money saved up, but I'm uncertain what the best use is for it. Should I buy a savings bond, a CD, open an investment account or put it all in a college fund? -- A Reader

Posted March 09, 2016

First, no matter your age, all 401(k) distributions are taxed as income according to your tax bracket the year that you withdraw the money, unless you have a Roth IRA.

Posted March 03, 2016

Dear Carrie: My daughter is 16 and has her first paying job. Does she need to file a separate tax return? -- A Reader

Posted February 24, 2016

Dear Carrie: My mother is quite independent and does a lot of her financial business online. I hear about fraudsters preying on seniors all the time and worry about her falling for a scam. How can I protect her?

Posted February 17, 2016

Dear Carrie: I've been carrying a number of both federal and private student loans for several years. While I've been able to keep up on payments, I'm thinking about consolidating to make things simpler. Is that a good idea? -- A Reader

Posted February 04, 2016

Dear Readers, Here we go again. Just when we thought we could put the worries of 2008 and its aftermath behind us, market volatility once again has individual investors spooked and wondering what to do. While every investor knows that risk comes with the territory, the recent wild gyrations are enough to make even the hardiest investors question their approach.

Posted January 27, 2016

Dear Carrie: I'm thinking of refinancing my mortgage since I know interest rates are going up. Does it still make sense or have I missed the boat? -- A Reader


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