Curated articles and podcasts from trusted financial experts and real retirees.
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Discover the federal protections (one expires on April 1) and state-level hurdles you’ll face when switching from Medicare Advantage back to original Medicare.
The Rule of 55 allows certain workers to take penalty-free withdrawals from a 401(k) or 403(b) if they leave their job in or after the year they turn 55. Income taxes still apply, and the funds must r...
The cost of delaying estate planning is far greater than the time it takes to get the ball rolling. The remedy is easier (and takes less time) than you think.
Asking "Are you a fiduciary?" won't tell you everything about a financial professional. Here's a question that will clarify where you stand, 100% of the time.
Analysis of 190 Medicare Advantage plans finds most new supplemental benefits rarely offered, due to cost, overlap with Medicare, and quality incentives.
Pandemic, inflation, Ukraine, Iran. Compounding shocks are rewriting retirement risk. Why the old planning model isn't enough and what retirees need to do differently.
Are you in a good position to retire at 70? Find out with this quick quiz.
You don't need to be the smartest doctor in the room to understand how to get more into your retirement accounts. But I'll explain it anyway. The post How to Get More Money in Your Retirement Accounts...
Joe Anderson, CFP® and Big Al Clopine, CPA focus on Social Security claiming strategies as part of the retirement spitballs, today on Your Money, Your Wealth® podcast number 574. Bijou Plutus and her ...
Congress named this one with confidence. The One Big Beautiful Bill, signed into law on July 4, 2025, runs over ... Read more
Let’s talk about money you’re leaving on the table. Not because you’re bad with money, but because the tax code ... Read more
Hey, everyone – we just got back from a two-week Hawaii vacation… super cool trip. We flew down to O’ahu with our best friends, Dave and Kellie, who we’ve known for over 25 years! They stayed at an Ai...
Whether AI can calculate taxes correctly depends on the complexity. An online tax calculator is faster and more accurate if you know which one to use. Learn the Nuts and Bolts I put everything I use t...
While a move can protect your legacy, many retirees stumble at the finish line by ignoring the strict state residency tests used to challenge their new status.
Portfolios limited to public equities capture a smaller slice of corporate growth, so investors are making room for private investments in their 401(k)s.
High-net-worth families need a decent quarterback — a financial adviser coordinating other professionals on the team and keeping an eye on potential threats.
I (F, 62) unexpectedly inherited my mother's house and some small investments which have enabled me to retire. It's been a tough year with Mom's death, house sale, all her 'stuff', my husband's job di...
Key Takeaways Much of the technology infrastructure that powers the workplace retirement plan industry could use an update to improve on old legacy systems to better serve the needs of today’s 401(k) ...
Can you retire early if you are a parent and don’t have a six-figure salary? It’s a question the FIRE community gets often. Well, today we’re going to meet a reader who worked as a librarian, has a to...
Whether you're looking for a total "do-over" or just a temporary "pause," this quick quiz reveals exactly what is — and isn't — possible.
Trump’s retirement plan and the RSAA aim to fix the coverage gap for 69 million workers, countering AEI’s concerns about Medicaid, SSI and low-income retirement security.
I always thought I could budget $1,000 for healthcare in early retirement and be totally fine. Turns out that was nowhere close to true. The post The Health Insurance Dilemma of Early Retirement appea...
The question of whether to merge finances isn’t just a logistical one, it’s philosophical. Getting it right can set the tone for a financially harmonious marriage.
She thinks we should reconsider because of the political and economic situation. I want to go now. Who's right?
The final decisions you make on spending, Social Security and investments can make the difference between a successful retirement and one filled with regret.
Retirees are conditioned to think that market risk is the main threat to their future, but here's the real danger — and how to bring it under control.
If retirement is the ultimate goal, why is it harder than we imagined? Regarding it as a game to keep playing, instead of a finish line, may be the answer.
Why is it so important that both partners in a relationship understand their tax situation, even if they’re not the ... Read more
Want to retire in a beach town in the U.S. or abroad? Get to know these lifestyle and financial factors first.
When parents are absent, caregivers may not be able to make emergency decisions for a child without a Delegation of Parental Authority. Here's how to set it up.
I have never felt less ready, but more needful, to retire. I am soon to be 66, and have really only had 3 "career" jobs since graduating college at age 22. The first one lasted over 30 years, it was s...
Occasionally, I head to the r/overseventy to get a dose of their wisdom. This smaller subreddit has some great discussions. This comment was in response to a popular post of someone fearing turning ol...
Let's break down the disability insurance premium payment setups and show how each one could impact the tax status of disability checks. The post Are Disability Benefits Taxable? What Doctors Actually...
The Prince of Darkness not only knew how to rock out, but he also imparted a great deal of wisdom on living in the moment and finding serenity that can guide retirees during their greatest set.
Older founders are three times more likely to succeed than 30-year-olds. Here's how to leverage your expertise while navigating the "Medicare gap" and self-employment taxes.
Instead of worrying about the markets and running out of money in retirement, you might consider buying an annuity that guarantees you a lifetime income.
Last year’s tax bill created a new savings vehicle that starts as early as birth – the Trump account. While these accounts resemble IRAs in some ways, they offer distinct contribution rules, investmen...
Middle- and lower-income retirees face a growing gap between income and long-term care expenses, forcing advisors to rethink planning strategies.
A well-intentioned tax move can push retirees over a Medicare income threshold, leading to thousands in unexpected annual premiums. Here's how advisors avoid these costs.
The Odyssey Plan helps you explore bigger possibilities, test tradeoffs, and choose with real confidence. The post The Odyssey Plan: Design 3 Futures Before You Lock in Your Retirement appeared first ...
From spousal and child benefits to taxes and timing, these 20 lesser-known Social Security rules can significantly impact your retirement income.
Explore 10 things to think about – lifestyle and financial factors – when considering the best state for retirement. The post Where Should You Retire? A 9-Factor Framework to Get It Right appeared fir...
For physicians, the conversation about 1099 income and micro-corporations is about professional autonomy and financial acceleration. The post Should Physicians Form ‘Micro-Corporations?’ appeared firs...
My first job in the industry was working as an analyst for an institutional investment consulting firm that specialized in ... Read more
We all know it's important for advisors to look out for the best interest of their clients. In this episode we discuss important red flags to watch out for when considering a client/advisor relationsh...
In the comments on my last post, several readers asked thoughtful questions about family trusts, second marriages, and protecting assets in the event of cognitive decline. A few readers even […] The p...
Are you aware of just how much investing is costing you? Explore all the fees associated with your mutual funds and ETFs. The post Fees and Expenses on Mutual Funds and ETFs: A Complete Guide to the O...
We are one step closer to make retirement official, we have filed for our Social Security benefits! Now I'm curious - the literature we received in the mail suggested voluntary withholding on our bene...
Everyone might want to read this recent editorial from MarketWatch and Morningstar here - - https://www.morningstar.com/news/marketwatch/2026031757/social-security-benefit-cuts-are-coming-and-they-wil...
Are you in a good position to retire at 67? Find out with this quick quiz.