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An interview with Jeff Wingate—president of Rate Insurance—where we discuss how home, auto, renters, and umbrella insurance work; why homeowners insurance premiums have risen so sharply; and how to ma...
A new CMS program finally brings Wegovy and Zepbound within reach for seniors. But a hidden rule about your deductible could cost you thousands.
The IRS penalizes taxpayers who did not take their full required minimum distributions. IRA owners should know about the penalty and how to avoid or minimize it.
Here's a step-by-step process (with screenshots) on how to open a 530A (Trump) account for the children in your family. The post How to Open a 530A (Trump) Account for Your Child appeared first on The...
Everyone says to "invest for the long term," but what does that actually mean when you're approaching or living in retirement? As part of our "By the Numbers" series, in this episode, you'll learn: Wh...
Talking with your parents about their money can be awkward, but it's necessary to know what's up as they get older. These tips can help.
There are no two ways about it: Inflation will affect your retirement savings. But you can plan for rising costs without losing the lifestyle you want.
So as I plan for retirement I've been watching a lot of YT videos about it. And they seem to be split into 2 opposing camps. First: Retire now, time is the only irreplaceable resource, most retirees d...
Parents planning to leave money to their children fear one thing: Will wealth make their character or break it? There are some practical ways to find out.
Here's the info a physician needs to manage student loan debt, including private and federal loans, PSLF, RAP, IBR, and how to pay them off. The post Student Loans 101: Ultimate Guide to Student Loans...
Many retirees have built enough wealth to be secure. The harder challenge is learning how to trust the life their discipline has made possible.
Everyone tells caregivers to look after themselves, but rarely explains how. If you're exhausted from looking after a loved one, here is how to actually find relief.
More than half of Americans in their 40s are considered the "sandwich" generation, supporting both their aging parents and raising kids. Here is how financial advisors can support them.
Answering reader questions about what to evaluate when considering a partnership opportunity, what the financial priorities are for new attendings, and how to manage a large financial windfall. The po...
What if one simple exercise could help you uncover what truly brings you joy, clarify your purpose, and shape a more meaningful retirement? As part of our "Freedom After 50" series, author Jet Vertz s...
Two 2026 surveys put the number at $1.2 million and $1.46 million, $260,000 apart. Here’s why, and how to find your number. The post Is the Magic Number for Retirement $1.2 Million or $1.46 Million? a...
If you're the only child of aging parents, decisions about care and financial affairs may fall to you. These are the risks — and the conversations to have now.
From phony family emergencies to fake investments, fraudsters know all the tricks and have modern technology up their sleeves. Here's how to stay safe.
I've sat with 100 retirees, and the biggest regret almost never has anything to do with a bad investment. It's something I call the momentum trap. At 62, every single signal tells you to keep going, a...
Money will only get you so far in the pursuit of happiness. Find out how to make the shift from accumulating wealth to living a life that brings you real joy.
Delaying can increase your benefit, but whether that's worthwhile in the long run depends on other factors.
If you want to use an inheritance to create a charitable legacy, how can you ensure younger generations will carry your wishes forward?
Once you're financially independent, you don't need more books on how to get rich. You need someone to teach you how to be rich. The post 5 Books to Read When You Have ‘Enough’ and Need to Learn How t...
Choosing when to file for Social Security isn't about hitting age 62, 67, or 70—it's personal. Here's how to find the best filing age for you and your spouse.
Putting the right documents in place for your loved ones now can shield them from the stress and legal hurdles of dealing with your estate later.
Many users have told me they aren’t always sure how to enter their assets and spending liabilities into the Actuarial Financial Planner (AFP) Excel workbooks. That’s completely understandable — the ac...
Your greatest investment risk may not be missing the market, but relying on your ability to identify the small handful of stocks that become the next big winners. As part of our "By the Numbers" serie...
This plan for Gen X parents running the Bank of Mom & Dad can help you get a handle on how to manage the financial support you give your adult children.
Rising premiums, fewer options and limited benefits can make a long-term care policy hard to find and hard to afford. There are alternatives to cover the costs.
J.P. Morgan research found 84% of retirees never draw more than the RMD minimum. Here’s how to tell if that’s the right move for you. The post 84% of Retirees Take Only the RMD Minimum. Here’s When Th...
Eligible workers can get up to $1,000 from the new Saver’s Match starting in January. Learn how to open an account, check your income and secure the full benefit.
This week Roger explains why rebalancing is one of the most important disciplines in retirement planning. In the Retirement Toolkit, he explores the difference between a traditional investment allocat...
Supporting your adult kids shouldn’t mean risking your retirement. Our Wealth Wise columnist explains how to help them when times are tough.
Your income will determine how much you pay, but here are some smart strategies that can help you lower your premiums.
You can hit your number, be fully financially ready, hand in your notice, and still end up miserable. Or worse, running out of money. In 15 years as a retirement advisor, I've watched it happen again ...
Relocating to a tax-free state like Florida or Texas seems like a good idea, but unexpected expenses add up fast. Here is how to ensure your retirement move doesn't break the bank.
Worried about rising rates? Here’s how to avoid a bigger bill after you stop working.
This podcast episode discusses the Rule of 55 retirement strategy, as well as listener questions about the risks of linking financial accounts to budgeting apps like YNAB, strategies for optimizing Tr...
Scaling your business for an exit doesn’t mean shedding your soul. Here is how to leverage AI to elevate your people and maximize your final payout.
How families can preserve valuable inherited IRA stretch treatment for a child or grandchild who needs support but doesn’t qualify for SSI or SSDI.
This week Roger talks about one of the biggest challenges retirees face today: information overload. He explains why more information doesn't always lead to better decisions and why building a great r...
Retirement researchers increasingly recognize that real spending does not remain flat throughout retirement. As Dr. David Blanchett emphasized in his recent Think Advisor article: “Integrating reduced...
The world of paying for medical school is now totally different. Here's how to think about closing the gap between federal and private loans. The post Closing the Gap with Private Student Loans for Fi...
Retirement isn't just about leaving your career; it's about learning how to navigate one of life's biggest transitions with confidence and resilience. As part of our "Freedom After 50" series, best-se...
When your savings are meant for the next generation, your investment timeline isn't yours anymore. Our Wealth Wise columnist explains how to adjust.
The paradox of retirement freedom is that the system you retired from gave you order but took away control. True freedom lies in giving life a new structure.
Medicaid Asset Protection Trusts can help protect your savings from being drained by long-term care costs, ensuring assets remain available for your family.
Households often have assets they expect to use during retirement that are not level streams of income, as well as expenses that are not expected to recur every year. These items need special handling...
This week Roger explores the idea of "digging where your feet are" and how focusing on what you can do today can reduce anxiety about the future and regret about the past. In the Retirement Toolkit, h...
Staring down a massive RMD tax bill at age 75? Relocating to a zero-tax state for a few years could slash your Roth conversion costs. Just beware of the pitfalls.