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Thinkstock
Thinkstock
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Retiring in New Jersey? Good luck

New Jersey's cost of living ranked as 5th-worst among all 50 states. Only two states — Connecticut and New York — registered a higher tax burden.

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Mathias Rosenthal
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Tax changes for NJ retirees

Q. Can you explain about before vs. after-tax savings for retirees? For example, I plan to retire in 2018 and will have a pension of about $40,000, filing taxes as single. I don’t expect additional income. What would I owe in taxes under the new bill that gives help for retirees?

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Retirement
Cheryl Casey, ThinkStock
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When disability turns into retirement

Q. I had a question about your recent story about Social Security survivor benefits. My husband passed in September of 2015 at 66 I was told by that since I started getting disability in that same year and it was more than his benefits, I couldn’t get any of his...

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Senior Man Relaxing In Park With Grandchildren In Background
Stockbroker
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Good news for NJ retirees

Q. I have read about the new exemption on retirement income being phased in next year. The phase-in of the $100,000 exclusion increases at a rate of $20,000 per year, but after the full exclusion kicks in, there appears to be a significant income limitation on using the exclusion beginning in 2021. Can you explain?

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Matt Benoit
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Retirement withdrawals for mortgage and car payments

Q. My husband and I have discussed using a substantial amount from our retirement accounts to either pay off our home or the SUV. I’m retired with a pension from the state but not eligible for Social Security for another two years, and my husband is 62 and still working. He wants to retire, but fear that if we don’t pay either the house or the truck, we may face financial problems later on.

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merznatalia
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Here’s an idea for tax-free retirement income

Q. Only 10 percent of my savings is in Roths and I want more tax-free money when I retire. I don’t have enough for an IRA but I save the maximum to my 401(k). Should I switch to a Roth 401(k)?

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Jupiterimages, Thinkstock
Jupiterimages, Thinkstock
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Could retiring out of the country be a good idea?

Q. I’ve heard that tax-wise, moving out of the country when you retire is a good idea. I have no kids so I’m open to the idea. What places — warm weather — could make sense? I would still stay a few months in America.

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RyanVincePhotography
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How should I invest in retirement?

Q. I have $500,000 in retirement accounts, basically each 25 percent in international, large U.S. stocks, small U.S. stocks and long-term bonds, all through index funds. I hope to retire in two years. How can I decide if I’ll have enough, and how I should be invested

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moodboard
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Buying a retirement home together

Q. I’m 60 and my sister is 62, and we’re thinking of buying a retirement house to live in together. She has kids and I don’t. What steps to we need to take for estate planning?

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cat on golf course
Eric Gevaert
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Stock growth without risk in retirement

Q. I’m retiring in two years and I’m 59. I know my money has to last for many more years but I’m nervous about stock exposure. How can I get growth without risking the whole thing?

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