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Personal finance, like just about everything else, is mainly common sense. Advice like “don’t spend more than you make; start investing while you’re young; don’t loan money to friends with the expectation of getting it back,” have been around for generations, and most likely will survive the next few generations as well.

Reverse mortgages have been around for a long time, but in recent years they have become more popular. Though some experts consider a reverse mortgage a last resort of sorts, depending on your own financial situation, a reverse mortgage may be helpful.

Thinking about using a Roth IRA to save for retirement? You’re not alone. The Roth IRA has grown in popularity since its introduction in the 1990s.

Do you use an individual retirement account to save for retirement? If so, you’re not alone. Americans own a collective 25 million individual retirement accounts, also known as IRAs.

Planning on an early retirement? With consistent saving and disciplined spending, you can make it happen. Even if you don’t think you will retire early, you still may want to plan for it. Health issues and disability force workers into early retirement every year. A contingency plan can help you navigate a challenging situation.

As you transition into retirement, you’ll face a number of big decisions. One of the biggest will be when and how to file for Social Security benefits. It’s an important decision, as Social Security may play a large role in your retirement income plans.

Social Security is likely to play a large role in your retirement. After all, it’s a valuable resource that can provide base of guaranteed lifetime income. However, as helpful as Social Security may be, you probably don’t want to rely on it as your primary source of income.

Have you used qualified plans like IRAs, 401(k) accounts, annuities and more to save for retirement? You’re not alone. These accounts are popular because they allow you to accumulate assets without paying taxes on the growth. In most cases, you avoid taxes until you take distributions. In the case of a Roth IRA, you may never pay taxes on your growth or distributions.

Are you facing a divorce late in life? According to new research, you’re not alone. The Pew Research Center recently found that divorce rates for people age 50 and older have doubled since 1990. Divorce rates among those over age 65 have tripled during that same period.¹

According to the Council for Disability Awareness, nearly 70 percent of American workers in the public sector have no private insurance coverage for long-term disability. That’s in spite of the fact that 25 percent of working adults will suffer a long-term disability at some point in their lives.¹