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What looked like smart tax planning could become a problem. And not just for you — your kids could inherit a tax bomb. How to head off potential disaster.
If a special needs trust isn't structured correctly, the recipient could lose out on a chunk of money when they need it the most. Here's how to prevent that.
I vividly remember sophomore year of college. It was 10:30pm and I was leaving my girlfriend's apartment by car. Instead of coming to a complete stop at the stop sign, I slowly rolled on through and t...
Most 401(k) plans provide a little-known tool that can increase an account’s flexibility, expand the available investments and potentially increase total returns.
A 1% S&P 500 dividend yield leaves an income gap in retirement. An income floor can bridge it, and a Treasury ladder can help build it. The post S&P 500 Dividend Yield Is 1%: How to Plan Retirement In...
Research links retiring early to cognitive decline, while continued work is associated with stronger cognition.
When you're standing at a major financial crossroads, the timing of your decisions can mean the difference between success and failure. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on the "when...
"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 million saved, but they still lie awake wondering if ...
Lucky Lou is 48, burned out and wants to punch at 50. How should he bridge the gap before pensions and Social Security? Joe Anderson, CFP®, and Big Al Clopine, CPA walk through the Rule of 55, 72(t)s,...
Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? Plus, Famous Missourians want to know, ho...
Joe Anderson, CFP® and Big Al Clopine, CPA are defusing some confusing tax time bombs today on Your Money, Your Wealth® podcast number 557. George in Torrance wants to know the smartest way to deal wi...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball Roth conversions, capital gains, and retirement readiness from every angle, today on Your Money, Your Wealth® podcast number 556. Joe Momma from Vir...
Coast FIRE can produce many of the benefits of retirement, all while providing many of the benefits of still working. Here's what to know. The post Coast FIRE — How to Spend All Your Money and Still R...
The financial stakes are higher and the potential pitfalls more plentiful when you say “I do — again.”
A new report from Global Citizen Solutions ranks the best countries for Americans who want their savings to go further and their quality of life to go up.
We recently asked ChatGPT two questions about using the Actuarial Approach and its Funded Status metric to evaluate a household’s retirement sustainability. ChatGPT had high praise for the Actuarial A...
Retirement isn't always the carefree finish line people imagine. For many, it marks the start of a deeper search for purpose, identity, and fulfillment. Topics covered in this episode: Why so many ret...
Delaying your claim until age 70 locks in a permanent, lifelong pay raise. Here is your blueprint to construct an income bridge that safely funds your retirement gap years.
Fear of missing out can also be the fear of growing old. Learn how to value the joy of missing out for peace, serenity, and for staying young at heart.
Hopefully, life after work won't be a battle, but you'll need to be able to defend your position if old foes like inflation and volatile markets rise up against you.
It's never too early to discuss how to pay for long-term care — and as May is Older Americans Month, let's do it now, so you can rest easy in your golden years.
Roger Whitney continues the decluttering series by focusing on the hidden challenges that keep people stuck. Rather than treating decluttering as a massive life overhaul, he explains how perfectionism...
Jesse Cramer and Jeremy Keil detail 7 real world lessons learned from working with hundreds of retirees. There’s a big difference between studying retirement… …and actually sitting across the table fr...
A lesser-known SECURE Act exemption can help families with a child or grandchild who needs support but doesn't qualify for SSI or SSDI save significantly on taxes.
Don't let a medical emergency ruin your retirement. We explain why Medicare might not pay for cruise ship virus treatments and how to fill the coverage gap.
Romance later in life can be complicated – but experts say openness, flexibility and self-confidence go a long way.
The Bank of Mom and Dad can be challenging — financially and emotionally. These tips pave the way.
Hello everyone, I am a recent retiree looking to tap into the wealth of experience in this subreddit. My wife and I are planning a trip down to Florida for a two-month stay (possibly longer) in the Po...
Living in two cities as a snowbird has its financial challenges, but when you do it the right way, it's fun and affordable. Here's How to Protect Your Wealth As a Seasonal Snowbird
IRAs now hold a $9 trillion surplus over 401(k)s, largely due to rollovers. Learn how to secure your retirement savings against legal risks and hidden fees.
It can take creativity, patience, and hard work to make the “working-longer” retirement strategy work for you.
Even a perfect Social Security plan can fail if you hit a login wall, an ID check snag or a direct-deposit problem. Here's how to make sure that doesn't happen.
401(k) withdrawal rules determine when you can access your money and what it will cost you. While you can typically withdraw penalty-free after age 59½, earlier withdrawals may trigger taxes and penal...
Working part-time as a physician is fantastic. But for it to meet all your expectations for work-life balance, it has to be structured right. The post How to Be a Part-Time Physician appeared first on...
Discover the key differences between saving and investing and how your choice impacts your ability to retire. Learn how to balance these to retire comfortably.
What if the goal of your bucket list isn't to slowly check it off, but to finish it, rebuild it, and use it to fuel a more meaningful retirement? Topics covered in this episode: How to build a purpose...
A well-planned retirement can go awry when clients overspend. Here's how financial advisors can rein them in.
How to Make an Extra $1000 a Month in 2026 (Real Math, 10 Methods)
Inherited real estate can strain families. Clear planning, buyouts, and transparency help balance financial goals while preserving relationships.
Exploring how physicians and other high-income professionals can approach charitable giving in a more intentional and effective way and how reaching financial independence early can maximize the impac...
Retirement spending estimates are often too low, but a retirement spending plan can change that. Here’s how to keep your money from running out. The post Retirement Spending Plan: How to Know If Your ...
The streaming series "House of Guinness" led many parents to reconsider the conventional wisdom about distributing an estate.
Roger Whitney kicks off a new series on decluttering for retirement, explaining how the accumulation of “stuff”—from physical belongings to financial accounts to relationships—can unconsciously shape ...
Spot Social Security scam emails before they cost you. Learn the red flags, how imposters trick seniors, and simple steps to protect your identity and savings.
This is going to be a bit long. We are planning on getting LTC insurance, my wifes dad used his benefit and we have no kids. I am just not sure how to think about it. I conceptualize 3 different reaso...
Wish we all could see the future! Will be 70 later this year. Still working part time, started collecting SS at FRA. Divorced long ago, never really recovered financially. Work recently started a 401k...
Most people think deciding when to take Social Security is a math problem. Run the numbers. Find the breakeven age. Pick 62, 67, or 70. Done. But that approach misses the point. This is not a math dec...
The hidden costs, conflicts of interest and generalized advice that leave investors dissatisfied, and how to find a financial professional you truly trust.
Are you actually better off getting a tax refund, or is your brain tricking you into celebrating a financial loss? Topics covered in this episode: Tax refunds vs. tax liability: what actually matters ...
Answering listener questions about comparing REITs and syndications, how to spot red flags in private deals before you commit your money, and how to avoid PMI when buying a home. The post Real Estate ...