Curated articles and podcasts from trusted financial experts and real retirees.
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I am retiring at 60, and I’m starting to feel like I’ve fulfilled my purpose. I’ve raised two kids who are great people. They are on their own, living their life, and headed down paths that should mak...
Whole life policies purchased 35 years ago, very small and dwarfed by our current portfolio. But still paying for it every month. Really want to cash them out now so my kids have a couple things left ...
More Americans are taking hardship withdrawals from workplace retirement accounts, prompted by rising costs — and looser rules.
Starting in 2026, the Federal Thrift Savings Plan (TSP) began allowing in-plan Roth conversions. Here's what you should know. The post Yes, You Can Now Do Roth Conversions in Your Thrift Savings Plan ...
I recently attended a financial advisor conference focused on artificial intelligence. Drawing on what I learned, this post summarizes my thoughts on how AI may reshape financial planning for retireme...
Don't let a Roth conversion backfire. Learn the 3 questions every investor needs to ask about tax brackets, liquidity and asset allocation before making the move.
Football can teach retirement investors a lot about managing risk. And if predictions of a markets slump are accurate, one strategy will be particularly useful.
Retirement can be hard for business owners who've tied up their net worth — and sense of purpose — in one company. Find out how to make your exit successful.
Picture this: You’re in your mid-40s and you’ve just quit your stressful corporate job. You’ve set aside enough money to ... Read more
Find out if your retirement savings are on track with our quick quiz.
Some might feel this is a ridiculous premise, but it actually could make sense to use airline points to manage risk in early retirement. The post Using Airline Points to Manage Sequence of Returns Ris...
While the Lower 48 shift to private plans, Alaska is proving that original Medicare can still deliver high-quality care at the edge of the world.
Annuities bought years ago may no longer reflect clients' needs or the economy. Conducting thorough reviews will optimize their finances and grow your business.
When I was younger, I had a simple budgeting strategy for making decisions. I called it my trifecta theory. If something checked three boxes… Financially smart, Personally beneficial, and Efficient […...
Original Medicare vs. Medicare Advantage, Social Security timing, and the enrollment mistakes that follow you permanently. The post Social Security and Medicare Decisions That Can Cost You for Life ap...
Most people do DIY retirement planning on their own. Here’s why a small peer group and tools you control can change everything. The post DIY Retirement Planning Works Better With People You Trust appe...
I am not yet retired but getting my ducks in order. I am a NYS teacher. If I retire at 62 I need to pay for my own insurance until Medicare at 65. The school’s health insurance for both my husband and...
We are retiring next year and I wonder how we should pay ourselves beyond whatyou receive in SS. Do you take money out monthly? Quarterly? BiWeekly? What helped you decide that? I am leaning toward Bi...
Hi! I very suddenly retired (two weeks notice) from a job I adored (long story, management suddenly changed my job description and I didn’t care to stay). I’m about six weeks in and still in the nappi...
In the world of very early retirement, we tend to ignore one of the most important things for normal retirees: the Social Security program. Don’t get me wrong, it’s a great thing for the 73 million pe...
Talking in depth about index fund investing, and answering listener questions about handling inheritances from your parents and making smart tax moves around withholding, estimated payments, and capit...
Nationwide, hospitals and other providers are leaving private Medicare Advantage plans, putting thousands of seniors at risk of higher costs and of losing trusted doctors.
I retired almost a year ago and still often feel like I’m settling in. I’ve had several large and small projects that are keeping me busy, but I’m also learning to relax and not worry about deadlines ...
I have been toying/hoping to retire in March 2027. My goal has been on my 30th anniversary at my current job. I do have a pension that I could have been taking but I was thinking about it like Social ...
I'm sure you all get this a lot so I apologize for the redundancy. Lately, I find myself wondering when it's time to pull the plug in my career and retire. I'm 63, mostly good health but with some sig...
We are 68 and retired with $6.8 million. I just want to help our adult kids pay for daycare and camp for our grandchildren. Should I stop?
Returns still matter, but lasting performance is increasingly defined by how well a plan protects against volatility while preserving flexibility and your legacy.
The Social Security decision should reflect how clients want to spend, withdraw from wealth and experience retirement. Here's how advisers can find that out.
High-income physicians are among the most educated professionals in the country. They’re also, statistically, among the most consistent overpayers of ... Read more
If I understand this correctly, with the upcoming tax deduction in the Big Beautiful (Ugly grrr) Bill, we have a few years where your adjusted gross income may drop you down to a lower tax bracket, or...
Should medical residents be buying a house that they'll probably only live in for 3-5 years? I don't think it's a great idea. The post The Case Against Resident Homeowners appeared first on The White ...
In this episode, Roger Whitney breaks down essential elements you need to consider before and during retirement. From understanding inflation risks to strategic asset reallocation, this episode offers...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether a popular early retirement strategy could actually blow up your financial plan, today on Your Money, Your Wealth® podcast number 577. Red...
Too rich for basic financial advice but not rich enough for private client services? What's the best way to plug the "middle wealthy" retirement planning gap?
When you first start putting money into the stock market, your investment accounts may not seem to be that valuable. But over time, those accounts may very well be the lifeblood of your entire financi...
Hiro Finance is shut down. Discover the best Hiro alternative. Compare budgeting apps, other calculators, and a much more powerful AI tool. The post Hiro Finance Is Shutting Down: Here’s the Best Alte...
In the likelihood of a protracted conflict, these experts think people in or close to retirement need to review their asset allocation. The post How retirees should respond to the Iran crisis appeared...
Trump administration is considering auto-enrollment for Medicare enrollees in Medicare Advantage. This suggests a preference for the program over traditional Medicare.
From "tax traps" to "safety deposit box blunders," discover the 10 most common mistakes people make when planning their estate.
Since we can actually start using Trump accounts, aka 530a accounts, on July 4, 2026, let's talk about what we actually know about them. The post What You Need to Know About Trump (530A) Baby Bonus Ac...
Older adults spend more time on screens than any other age group — and retirement doesn't automatically change that. Here's what might actually help.
it's worth parsing Dave Ramsey's recent discussion of the Bogleheads and then talk about what both parties get right. The post Dave Ramsey vs. the Bogleheads appeared first on The White Coat Investor ...
From the cost of long-term care to outliving your savings, aging is full of risks that are almost too scary to contemplate. Here's how to face them fearlessly.
Many retirement shortfalls aren’t caused by market crashes, but by everyday mistakes. These small decisions can quietly cost you years. Here are 12 common mistakes that can delay retirement and what t...
Yesterday was my last day of work. I just turned 61 on Easter. I have a full NYS retirement pension after working 30 years in public service. This feels weird. I am in the process of moving to be a bi...
I’m confident that I have enough saved for a comfortable Retirement but with all the market uncertainty I’m wondering about the wisdom of pulling the plug inside the next 6 months and maybe just keep ...
Hi readers, it’s been a while since we’ve done a reader case, so here goes! This one is a doozy, and I knew it as soon as I saw the headline in my inbox “FIRE with 7 kids”. If you have a big family, i...
We’ve all read the research about the “Go-go, slow-go and no-go” periods of retirement and decreased real-dollar spending as we age, but contrary to observed research, most decumulation strategies tod...
This post is a follow-up to our post of July 2, 2025. In that post, we talked about the possibility of future Social Security benefit cuts and how you can use the Actuarial Financial Planner to estima...
Ageism can be internalized and prevent us from reaching our potential. Learn how your attitude toward aging can add years to your life.