Curated articles and podcasts from trusted financial experts and real retirees.
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Moonlighting is pretty much a rite of passage in residency. And extra hours of practice in your field plus the ... Read more...
Did you leave your workplace with a big farewell affair (lunch with a large group, gift, etc) or did you keep it low-key by saying goodbye to your closest work friends followed by a simple sincere ema...
Debunking 3 Medicare myths and examining the ways you can avoid falling for common Medicare mistakes....
Fidelity is only provider to earn “High” ratings in both categories of new health savings…...
Seventy-four percent of Hispanic and Latina women and 69% of Black women credited building…...
Fidelity is only provider to earn “High” ratings in both categories of new health savings…...
The latest news from The Retirement Planning Group, 401GO, and Northwestern Mutual...
The firm's investment will drive further growth at Creative Planning...
Welcome to another insightful episode where we kick off a month-long series on improving your decision-making abilities. This week, we delve into the concept of inversion, a powerful mental model that...
GOBanking Rates ranks the best retirement havens with an eye toward affordability and…...
The firm is growing its Alight Partner Network with Journey and Carrot Fertility...
Considerable resources have been devoted to solving the challenge of portability in…...
BlackRock will provide standard and custom RIA custom model portfolios through Vestmark platform...
New offering raises bar on personalized advice at scale to help savers reach retirement goals...
I’ve had some recent encounters with younger folks that I thought I’d share. I’m not judging them at all, I just think it’s interesting how much attitudes have changed. This is...
I’ve been teaching for over 40 years. After COVID, I went to part-time, remotely doing research and writing for my employer. I am having a really hard time working hourly on projects. I’ve...
Our post-recital ice cream social was in full swing. The kids were running rampant, the leftover ice cream was slowly ... Read more...
One of the goals of the Inflation Reduction Act is to lower drug costs for Medicare beneficiaries. The $2,000 cap on Part D out-of-pocket costs are a big step forward....
401(k) account management is an option for anyone with a 401(k) – no matter how close or far you are from retirement. Even if you have some basic investment knowledge, you might want to consider...
Fluctuations in the stock market, high interest rates and unpredictable geopolitical events have made it more important than ever to find a predictable and…...
Many people cherish the dream of becoming financially independent, and as such, a state provides its citizens with financially determined freedom. Hence, creating several forms of passive income is on...
I am 68 and looking to get together with some other retirees, primarily to jam but possibly to play out occasionally. We could get together at my house; I have a music room that could accommodate a sm...
Should David in Ohio use 457 funds to do an in-plan Roth conversion in his 403(b) plan, and should he hire a financial advisor? Chris in DC needs a retirement and Roth conversion spitball analysis, an...
One of the most significant developments to come out of the pandemic, if not the greatest, was the shift to remote work for millions of employees. Beginning in March 2020, businesses quickly adapted o...
Patrick and Mary will soon both be retired. They are curious about what their withdrawal strategy should be as they balance various retirement accounts, including a pension, IRAs, and a brokerage acco...
Ben has been a saver his entire life, which helped position him for an early retirement at the age of 53. Yet, he faces a big challenge. Having maintained his modest lifestyle, Ben’s comfortable...
Elaine didn’t decide to retire at age 57, but changes in her company meant an early retirement for her. Being caught off guard, she didn’t feel emotionally prepared to make the shift, even...
After his father lost healthcare coverage in retirement and had to pay for a major health event with savings, Derek was highly motivated to ensure sufficient coverage in retirement. He even considered...
Chris has been retired for a little over a year while his wife has continued to work. Now that Chris has “tried on” retirement and found the fit good, his wife will likely join him within ...
Meet Joe Sullivan, who found the first few years of retirement very difficult. Community is important to Joe, but he wasn't getting sufficient, routine social interaction to make meaningful connection...
Gary is a 73-year-old with $8 million in savings. Despite having substantial assets, he’s concerned about missed opportunities for Roth conversions as he faces significant required minimum distr...
Connor plans to retire soon and wonders if he should pay off his mortgage of $300,000 or invest those funds, especially since he has a low interest rate. James gives a detailed response and reveals wh...
Retirement tax planning should begin well before retirement. Listener Jodie, with over $2 million in assets in various types of accounts, is concerned about the high tax bracket she anticipates she be...
Listener Michael asks about how Social Security is taxed, the rationale behind the 50% and 85% tax thresholds, and the implications of these taxes on Social Security and IRA withdrawals. James respond...
Listener Nael opens up a discussion about Roth conversions. There are benefits to doing Roth conversions, but can you do too many? Are there any downsides to Roth conversions? Reaping the tax benefits...
David has a question about taxes in retirement: When you’re retired and no longer getting a regular paycheck from which your employer withheld tax payments on your behalf, how do you estimate th...
Mark asks a common question – What should I do regarding my withdrawal strategy? Should I first pull from my brokerage account or my IRA? There is no one-size-fits-all answer, but James provides...
Listener Sherry asks a good question: How do large, one-off expenses (like a new roof, new car, etc.) fit in the 4% Rule? James explains the concept of the 4% Rule and its limitations while demonstrat...
Healthcare subsidies are like a tax break and should always be optimized, right? That seems like an easy question that should have a straightforward answer. But the correct answer is, “It depend...
Drew Shockley of MOVE Health Partners joins James to address questions about Medicare. He overviews the Medicare system, explains Parts A, B, C, and D, and breaks down what Medicare does and doesn&rsq...
Graham and his wife are in their early 50s and plan to retire in 5 years. He wonders if they should continue maxing out their 401ks, how their investments should change, and what they should do with s...
Drew, a burnt-out, financially responsible 40-something father of two, hopes he can scale back from his stressful job and still be okay when it’s time to retire. James offers a practical and phi...
How do you know if you can retire? It seems straightforward, but the answer is far from simple. Beyond portfolio balances and age thresholds, there are other things to consider. James explains his thr...
Joe is planning for retirement and wants to minimize his tax burden, especially on the interest earned from his three annuities. James explains that non-qualified annuities are purchased with post-tax...
Deciding to work with a financial advisor is about more than how much you've stashed away. It's also about determining whether an advisor's benefits outweigh the costs. In your higher earning years, f...
Listener Drew asks about a tax strategy for juggling capital gains and Roth conversions. While it can be a complicated question – especially when large accounts are involved – James provid...
James responds to listener Jerry’s question about the optimal time to distribute inheritance or charitable gifts: before or after passing away. James walks listeners through four important thing...
A listener says, “Eventually, one spouse will pass before the other, which will often catapult the survivor into a significantly higher tax bracket. Shouldn’t a Roth strategy take this int...
Jason and his wife face a crucial decision: whether to purchase an annuity or pursue traditional investments as they prepare for a full-time, slow-travel retirement. With a diverse array of income sou...
The "Three Bucket Strategy" is a popular retirement income planning method. The first bucket covers immediate expenses in retirement. Listeners John and Donna are seeking advice on constructing their ...