Here are other considerations for couples as they manage diverging retirement dates. Staggered retirement can be particularly useful if one spouse ... health plans), plus administrative fees.

If one spouse isn't employed, they might be missing out on putting retirement assets in their name—not to mention reducing the tax-deferred growth possibilities as a couple. That effectively ...

Spousal benefits can provide much-needed retirement income for couples where one person was the primary earner. Before your spouse can collect a spousal benefit, you need to have claimed yours.

Married couples may find opportunities to claim more tax breaks by contributing to their respective retirement accounts ... the lowest cost funds. "If one person has a match up to 3% and another ...

A spousal individual retirement account ... the IRA contribution limit is $7,000, plus an extra $1,000 catch-up contribution for investors age 50 and older. The caps are the same for 2025. That means ...

One sensible strategy ... expenses throughout their retirement -- not including long-term care, over-the-counter medications, and most dental services. A married couple might assume an average ...