Anne Tergesen
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Covers retirement for the Wall Street Journal and contributes to marketwatch.com
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Articles by Anne Tergesen
Here’s What It’s Like to Retire to a Low-Tax State
By Veronica Dagher and Anne Tergesen Sept. 14, 2026 Many Americans dream of relocating in retirement to stretch their nest eggs, and they often do it by moving to low-tax states. Choosing a state with no income tax, like Florida, or lower tax rates promises relief for retirees tapping 401(k)s. But such moves are rarely just about savings. For some, total spending remains almost the same, or even rises, but funds shift toward upgraded amenities or travel.
Here's What It's Like to Retire to a Low-Tax State — WSJ
By Veronica Dagher and Anne Tergesen Many Americans dream of relocating in retirement to stretch their nest eggs, and they often do it by moving to low-tax states. Choosing a state with no income tax, like Florida, or lower tax rates promises relief for retirees tapping 401(k)s. But such moves are rarely just about savings. For some, total spending remains almost the same, or even rises, but funds shift toward upgraded amenities or travel.
Here’s What It’s Like to Retire to a Low-Tax State
Sept. 12, 2026 8:00 pm ET Many Americans dream of relocating in retirement to stretch their nest eggs, and they often do it by moving to low-tax states. Choosing a state with no income tax, like Florida, or lower tax rates promises relief for retirees tapping 401(k)s. But such moves are rarely just about savings. For some, total spending remains almost the same, or even rises, but funds shift toward upgraded amenities or travel.
Pensions were on the brink of extinction. Now companies are bringing them back.
Pensions were on their way to becoming a relic in corporate America. Now some companies are bringing them back. The lost benefit is being revived by a small but growing number of companies to settle negotiations with labor unions or win over employees in fields where recruiting and retaining workers is especially competitive. Matthew Cronin, 27 years old, is among the 600 workers who recently won the benefit from PECO, Pennsylvania's largest electric and natural gas utility.
Pensions Were on the Brink of Extinction. Now Companies Are Bringing Them Back.
Bankruptcy 3 hours ago U.S. defense contractor files Chapter 11 bankruptcy TheStreet - Kirk O’Neil • 3h The U.S. Defense Department contractor files for bankruptcy, facing financial distress after certain of its contracts were not renewed.
Pensions Were on the Brink of Extinction. Now Companies Are Bringing Them Back. — WSJ
Pensions were on their way to becoming a relic in corporate America. Now some companies are bringing them back. The lost benefit is being revived by a small but growing number of companies to settle negotiations with labor unions or win over employees in fields where recruiting and retaining workers is especially competitive. Matthew Cronin, 27 years old, is among the 600 workers who recently won the benefit from PECO, Pennsylvania's largest electric and natural gas utility.
Pensions Were on the Brink of Extinction. Now Companies Are Bringing Them Back.
Some companies are turning to the lost benefit to recruit employees or settle negotiations with labor unions Pensions were on their way to becoming a relic in corporate America. Now some companies are bringing them back. The lost benefit is being revived by a small but growing number of companies to settle negotiations with labor unions or win over employees in fields where recruiting and retaining workers is especially competitive. Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved.
Social Security Checks Expected to Rise by More Than 3% Next Year — WSJ
Social Security Checks Expected to Rise by More Than 3% Next Year — WSJ Social Security recipients are on track to pocket a bigger raise in 2027 because of a resurgence in inflation. If inflation climbs in line with its recent trend over the next two months, recipients' monthly checks will rise by about 3.2% in 2027, according to estimates from the nonprofit Committee for a Responsible Federal Budget. AARP expects a 3.5% increase. The estimates follow a 2.8% cost-of-living increase this year.
The Everyday Guide to Supersizing Your Retirement Account
By Anne Tergesen and Theo Francis July 27, 2026 More Americans have built up supersize sums in their tax-advantaged retirement accounts. But those with more modest means can also grow their own nest eggs bigger than they might think. Nearly 12,000 taxpayers had individual retirement accounts with at least $10 million in 2024, the latest year for which figures are available, according to new data prepared by the nonpartisan congressional Joint Committee on Taxation.
The everyday guide to supersizing your retirement account
More Americans have built up supersize sums in their tax-advantaged retirement accounts. But those with more modest means can also grow their own nest eggs bigger than they might think. Nearly 12,000 taxpayers had individual retirement accounts with at least $10 million in 2024, the latest year for which figures are available, according to new data prepared by the nonpartisan congressional Joint Committee on Taxation.
The Everyday Guide to Supersizing Your Retirement Account
There are a number of tricks to grow a tax-advantaged 401(k) or IRA into a fortune More Americans have built up supersize sums in their tax-advantaged retirement accounts. But those with more modest means can also grow their own nest eggs bigger than they might think.
The Everyday Guide to Supersizing Your Retirement Account
There are a number of tricks to grow a tax-advantaged 401(k) or IRA into a fortune More Americans have built up supersize sums in their tax-advantaged retirement accounts. But those with more modest means can also grow their own nest eggs bigger than they might think.
What's in the proposed crackdown on megasize retirement accounts
A Wall Street Journal article on Tuesday identified startup founders and Silicon Valley insiders who have built multimillion-dollar retirement account balances by investing in companies like Roblox and Nvidia before they went public. Two Democratic lawmakers want to put limits on the size of these accounts. The legislation proposed this week by Sen. Ron Wyden (D., Ore.) and Rep. Richard Neal (D., Mass.), the party's top tax-law writers, faces long odds of passage in a Republican-controlled Congress.
What’s in the Proposed Crackdown on Megasize Retirement Accounts
Two Democratic lawmakers want to curb tax breaks for the largest 401(k)s and IRAs, which have proliferated in recent years Sen. Ron Wyden (D., Ore.) is one of two lawmakers proposing tax break limits for multimillion-dollar retirement accounts.
初创公司内部人士如何利用退休账户避税囤积巨额财富
美国普通家庭的个人退休账户(IRA)中约有268,300美元。而格雷戈里·巴斯祖基(Gregory Baszucki)的账户里却至少有6,800万美元，甚至可能远不止于此。 像61岁的巴斯祖基这样的投资者还有数百位：他们在极具潜力的初创公司股票“一文不值”的时候买入了股权，并存入退休账户，然后眼看着这些股份的价值飙升至八位数甚至更高。本质上，他们享受的是极致的税收优惠。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
The Startup Insiders Who Stash Huge Sums in Tax-Subsidized Retirement Accounts
Alexandra Citrin-Safadi/WSJ; Getty The average American family has about $268,300 in individual retirement accounts. Gregory Baszucki’s holds at least $68 million—and possibly a whole lot more. Baszucki, 61 years old, is one of hundreds of people who bought stakes in promising startups when the shares were worth peanuts, stashing them in retirement accounts and watching their values balloon to eight figures or more. What they are getting, essentially, is the mother of all tax breaks.
在美国，退休后再创业是种怎样的体验？
创业是年轻人的专利？这其实是个误区。如今，大龄企业主们正在模糊工作与退休之间的界限。 专注于公共政策研究的“经济创新组织”(Economic Innovation Group)高级研究员凯南·菲克里(Kenan Fikri)表示，在过去十年里，创办新企业的55至64岁创业者人数增加了22%，而同期总人口仅增长了0.6%。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
What It’s Like to Retire and Start a Business in America
By Anne Tergesen and Veronica Dagher July 6, 2026 It is a myth that entrepreneurship is for the young. Later-in-life business owners are blurring the line between their working years and retirement. The number of entrepreneurs between 55 and 64 years old who incorporated new businesses increased 22% over the past decade, compared with a 0.6% increase in total population, according to Kenan Fikri, a senior fellow at the public-policy-focused Economic Innovation Group.
What It’s Like to Retire and Start a Business in America
Margo Clayson started a business in her late 50s after taking a class that required her to write a business plan. Lindsay D’Addato for WSJ It is a myth that entrepreneurship is for the young. Later-in-life business owners are blurring the line between their working years and retirement.
The Retirement Tax Break That Most People Overlook
The rule of 55 allows former employees to access 401(k) savings penalty-free before the age of 59½ Some people said the rule of 55 helped them decide when they should retire. Allie Leepson + Jesse McClary for WSJ It is the tax break few people know about, and even fewer use. But it has saved Mark Nilles in Colorado about $24,000 in tax penalties. And without it, Jon Barker in Seattle wouldn’t have been able to retire from teaching early. Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved.
Fidelity Bets People Want Their 401(k)s to Look More Like Pensions
Fidelity Investments plans to start letting workers buy pension-like income within a popular breed of its 401(k) investments. The nation’s second-largest target-date fund provider is betting that as the large crop of older workers retire and begin to draw from their 401(k)s, they will want more predictability around how they pull out their money. Fidelity will add an annuity to a diversified target-date fund, which shifts from stocks into bonds as workers get closer to retirement.
Social Security Now Expects Shortfall Earlier, in Late 2032
New tax law, declining fertility and falling immigration are reducing revenue into the retirement trust fund A Social Security Administration office in Bellevue, Wash., last year. Jovelle Tamayo for WSJ Social Security is expected to deplete the fund that helps pay out retirement benefits by late 2032, the program’s trustees said Tuesday. That is earlier than their projection last year of 2033, partly because the fund expects to collect less revenue after President Trump’s new tax law.
A Small Private College Overcomes the Enrollment Crisis by Welcoming Retirees
World News 6 hours ago America's 10 fastest-shrinking cities Axios - Russell Contreras • 6h As exurban cities near booming metro areas explode in growth, hundreds of U.S. communities are losing residents at a pace that signals deep … Civil Rights 3 hours ago After more than 66 years in the air, the industry’s longest-serving flight attendant prepares to retire CNN - By Alexandra Skores • 3h Being a stewardess always had a certain glamour for Joan Prince Crandall.
Gen Z Can’t Get Enough of Roth IRAs
Gen Z is the Roth generation. The youngest savers are flocking to Roth individual retirement accounts, taking advice from their parents and social-media influencers touting the tax-free growth the accounts offer. Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Five Questions to Help You Make Better Financial Decisions
By Anne Tergesen May 15, 2026 There is simple math behind figuring out how to juggle multiple important goals iStock image So you got a raise. Should you put the money in your 401(k)? Or would you be better off paying down your credit-card balance, prepaying your mortgage or doing some of each? Most people juggle multiple important financial goals. Figuring out how to prioritize among them can feel like a complex puzzle with no right or wrong answer.
Five Questions to Help You Make Better Financial Decisions
So you got a raise. Should you put the money in your 401(k)? Or would you be better off paying down your credit-card balance, prepaying your mortgage or doing some of each? Most people juggle multiple important financial goals. Figuring out how to prioritize among them can feel like a complex puzzle with no right or wrong answer.
Microsoft Cares About Your Privacy Five questions to help you make better financial decisions
Anne Tergesen So you got a raise. Should you put the money in your 401(k)? Or would you be better off paying down your credit card balance, prepaying your mortgage or doing some of each? Most people juggle multiple important financial goals. Figuring out how to prioritize among them can feel like a complex puzzle with no right or wrong answer. But from a mathematical perspective, there is a clear-cut and relatively simple way to help you earn higher guaranteed returns and maximize long-term wealth.
How well do you know your 401(k)s, 529s and HSAs? Take our quiz
Tax-advantaged savings accounts are proliferating. But they aren’t all created equal. The latest variety is the Trump account. It will launch in July, with the intention of giving newborns a head start on saving. The 401(k) and IRA, or individual retirement account, date to the 1970s and 1980s. Congress added the 529 college-savings account in the 1990s, followed by the Health Savings Account, or HSA, for setting money aside for current or future medical bills.
Four things to know about Trump’s new retirement plan order
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Four things to know about Trump's new retirement plan order Microsoft Cares About Your Privacy
Anne Tergesen About one-third of the private-sector workforce lacks access to a retirement-savings plan at work. President Trump's executive order on Thursday seeks to shrink that gap by rolling out a website to offer Americans low-fee retirement-savings accounts from private financial-services companies. Trump's embrace of expanded retirement-account access— first mentioned in the State of the Union address in February —signals Republican support for addressing the coverage problem.
Four Things to Know About Trump’s New Retirement Plan Order
April 30, 2026 5:08 pm ET About one-third of the private-sector workforce lacks access to a retirement-savings plan at work. President Trump’s executive order on Thursday seeks to shrink that gap by rolling out a website to offer Americans low-fee retirement-savings accounts from private financial-services companies. Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
What It’s Like to Retire in America After a Divorce
April 25, 2026 5:30 am ET This week, we’re bringing you stories about the financial impact of divorce. For many Americans, their golden years are being rewritten by divorce. While national divorce rates have hit historic lows for younger generations, the rate for older Americans has climbed. People 50 or older now make up nearly 40% of the divorcing population, up from just 8% in 1990, according to research from Bowling Green State University.
Americans Are Losing Confidence in Having Enough for Retirement, Survey Says
The long-running poll shows the lowest confidence in nearly a decade, thanks partly to concerns about inflation April 21, 2026 6:00 am ET The rising cost of groceries is a sore spot for many retirees. Jenny Kane/Associated Press Americans are getting more worried about having enough money for a comfortable retirement, thanks to rising costs and fears about the health of entitlement programs.
Americans are losing confidence in having enough for retirement, survey says
Anne Tergesen Americans are getting more worried about having enough money for a comfortable retirement, thanks to rising costs and fears about the health of entitlement programs. Some 61% of workers are very or somewhat confident in having enough resources for retirement, down from 67% in 2025, and a recent high of 72% in 2021, according to a long-running survey released Tuesday by the nonprofit Employee Benefit Research Institute. The measure is at its lowest point in nearly a decade.
How well do you know your 401(k)s, 529s and HSAs? Take our quiz
Anne Tergesen Tax-advantaged savings accounts are proliferating. But they aren't all created equal. The latest variety is the Trump account . It will launch in July, with the intention of giving newborns a head start on saving. The 401(k) and IRA, or individual retirement account, date to the 1970s and 1980s. Congress added the 529 college-savings account in the 1990s, followed by the Health Savings Account, or HSA, for setting money aside for current or future medical bills.
How Well Do You Know Your 401(k)s, 529s and HSAs? Take Our Quiz
Tax-advantaged savings accounts are proliferating. But they aren’t all created equal. The latest variety is the Trump account. It will launch in July, with the intention of giving newborns a head start on saving.
私募信贷市场正陷于动荡，但新规或允许其进入401(k)计划
特朗普政府周一提出一项新规，旨在向私募股权和私募信贷开放401(k)及类似退休计划。 对于一直游说将这类高成本另类投资纳入规模达14.2万亿美元的401(k)市场的华尔街投行而言，这是一场胜利。但这一消息来得并不是时候——在私募信贷市场动荡之际，投资者正从部分私募信贷基金中撤资。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Private credit is reeling, but new rule may allow it into 401(k)s
Anne Tergesen, Dylan Tokar The Trump administration proposed a regulation on Monday that is intended to open 401(k)s and similar retirement plans to private equity and private credit. It is a victory for the Wall Street firms that have lobbied to get these higher-cost alternative investments into the $14.2 trillion 401(k) market. But it comes at an inopportune time for the industry, as investors pull money from some private-credit funds .
Private Credit Is Reeling, But New Rule May Allow It Into 401(k)s
Labor Department intends to help employers avoid lawsuits stemming from the alternative investments they offer employees in retirement plans President Trump speaking to reporters after stepping off Air Force One. Mark Schiefelbein/Associated Press The Trump administration proposed a regulation Monday intended to open 401(k) and similar retirement plans to private equity and private credit.
Private credit is reeling, but new rule may allow it into 401(k)s
Anne Tergesen, Dylan Tokar The Trump administration proposed a regulation Monday intended to open 401(k) and similar retirement plans to private equity and private credit. It is a victory for the Wall Street firms that have lobbied to get these higher-cost alternative investments into the $14.2 trillion 401(k) market. But it comes at an inopportune time for the industry, as investors pull money from some private-credit funds amid turbulence in that market .
America's most tortured retirement regulation is struck down (again)
Anne Tergesen First it was on. Then it was off. Then it was on. Now it is off again. Few federal policies have zigzagged quite like the Labor Department's fiduciary rule, which a federal court in Texas struck down on Tuesday. The law went into effect nearly a decade ago to protect the billions of dollars that Americans move annually from their 401(k)s into IRAs by requiring advisers to act in the best interest of their clients. Soon after, a federal court struck down the measure.
America’s Most Tortured Retirement Regulation Is Struck Down (Again)
First it was on. Then it was off. Then it was on. Now it is off again. Few federal policies have zigzagged quite like the Labor Department’s fiduciary rule, which a federal court in Texas struck down on Tuesday. Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Record numbers of workers are raiding their 401(k) savings
Anne Tergesen More Americans are digging into their retirement savings because of financial emergencies. Last year, a record 6% of workers in 401(k) plans administered by Vanguard Group took a hardship withdrawal. That is up from 4.8% in 2024 and a prepandemic average of about 2%, according to Vanguard. The data paint a divergent financial picture of American workers' finances. While most are faring well, some are experiencing heightened financial stress, according to Vanguard.
Record Numbers of Workers Are Raiding Their 401(k) Savings
A divergent economy has given people record retirement savings and more need to dig into them As more workers save in 401(k)s, these accounts are an increasingly important financial lifeline. Lucía Vázquez for WSJ More Americans are digging into their retirement savings because of financial emergencies. Last year, a record 6% of workers in 401(k) plans administered by Vanguard Group took a hardship withdrawal.
Stedet var et paradis for amerikanske pensionister. Men så blev det centrum for en narkokrig
Stedet var et paradis for amerikanske pensionister. Men så blev det centrum for en narkokrig Mexicos Puerto Vallarta har været et favoritsted for det voksende antal amerikanere, der vælger at leve deres pensionistliv i udlandet. Luftfoto af brandmænd, der rengør en gade i Puerto Vallarta i Mexico. Byen er kendt som et solrigt turistparadis. I dag ligner kystbyen mere settet til en krigsfilm.
What to Know About Trump’s New Retirement Plan Idea
A $1,000 matching contribution for some workers’ retirement savings is already scheduled to take effect next year President Trump delivering his State of the Union address to Congress on Tuesday. Kenny Holston/PRESS Pool The Trump administration is pushing to expand access to retirement accounts for people who can’t get them through their jobs.
What to know about Trump's new retirement plan idea
Anne Tergesen, Richard Rubin The Trump administration is pushing to expand access to retirement accounts for people who can't get them through their jobs. President Trump said Tuesday in his State of the Union address that, starting next year, millions of Americans without access to employer-sponsored retirement plans could invest in a plan that is similar to federal workers' 401(k)-style investments.
What to Know About Trump’s New Retirement Plan Idea
A $1,000 matching contribution for some workers’ retirement savings is already scheduled to take effect next year President Trump delivered his State of the Union address to Congress on Tuesday. Kenny Holston – Pool Via Cnp/Kenny Holston/Pool/Cnp/ZUMA Press The Trump administration is pushing to expand access to retirement accounts for people who can’t get them through their jobs.
It Was Paradise for American Retirees-Until It Became the Center of a Drug War
Mexico’s Puerto Vallarta has been a big destination among the growing number of Americans who retire abroad The killing of one of Mexico’s most powerful drug bosses following a raid by the military sparked a violent gang response. Photo: Enrique Castro/AFP/Getty Images The violence in the Puerto Vallarta area is unnerving America’s community of expat retirees in Mexico, a destination popular with the growing number of people retiring abroad.
美国退休人士天堂突变毒品战争中心
墨西哥已经成为越来越多人选择的海外退休热门目的地，但巴亚尔塔港地区的暴力事件正令美国在墨西哥的侨居退休人士群体感到不安。 这座太平洋沿岸的旅游城市是数以千计美国退休人员的家园。其中包括现年79岁的纽约人比尔·休布施(Bill Huebsch)，他每年在附近的新纳亚里特（又称新巴亚尔塔）居住约两个月，2012年，他与如今已故的妻子琼尼(Joanne)在那里购买了一套公寓。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
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