Retirement income is the money you receive from various sources during your retirement years. It's important to plan for retirement income, because you will no longer be receiving a regular paycheck from employment.
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After three straight years of double-digit returns, retirees should review their asset and retirement income allocations to see if they still meet their goals.
Not all retirees who live in states that tax Social Security benefits have to pay state income taxes. Will your benefits be taxed?
Sequence of returns — experiencing losses early on — can quickly deplete your savings, highlighting the need for strategies that prioritize income stability.
An "all-asset" strategy would integrate housing wealth and annuities with traditional investments to generate more income and liquid savings for retirees.
Under new rules, you may lose an up-front deduction but gain tax-free income once you retire.
Saving a large percentage of your income, minimizing taxes and keeping spending in check can offer a more realistic path to retiring rich.
Careful planning encompassing location, income, health care and visa paperwork can make it all manageable. A financial planner lays it all out.
A non-technical AI guide for Gen X. Learn how to future-proof your career, build income streams, and use tools without losing your humanity. Start here.
Annuities promise guaranteed lifetime income—so why do Canadians avoid them? We unpack the “annuity puzzle” and when they may actually make sense. The post Unlocking the Annuity Puzzle: Why Canadians ...
Medicare premiums and taxes can shrink Social Security benefits. Plan ahead to protect retirement income.
A few weeks ago, Michael Green published a post where he argued that the poverty line for a family of four in the U.S. wasn't $32,100 in annual income (as currently claimed by the Department of Health...
In this witty post, Darrell Griffin arms fixed-income seniors with 50 hilarious hacks to conquer grocery costs amid 2.3% inflation. From app-powered coupon ninjutsu and flirty freebie flirtations to c...
Sarah Monroe once had a relatively comfortable middle-class life. She and her family lived in a neatly landscaped neighborhood near Cleveland. They had a six-figure income and health insurance. Then, ...
The post Data Connection appeared first on Retirement Income Journal.
In the Fall issue of this quarterly publication, you'll find a story that recommends capping benefits at about $2,000, one that shows why a combination of income annuities and withdrawals from savings...
You’ve worked and paid into Social Security for decades. Deciding when to claim those benefits is one of the few choices that can truly move the needle on your retirement income. For most retire...
Year-end is when many employees and executives choose how much of next year's income to defer in nonqualified deferred compensation (NQDC) plans. Here's what to consider....
Meera and her husband have $4.5 million in retirement accounts and a $430K income. They want guidance on when to start Roth conversions, how much to convert each year, and whether to continue 401(k) c...
I expect to retire in the next 12-24 months, and I’m looking for advice on how to handle multiple income streams. Like a lot of people, for almost 40 years, nearly all our household income has c...
Why Doctors Are Looking Beyond Apartments Many physicians who discovered passive income through multifamily syndications over the last decade are ... Read more...
Discover what new research reveals about how retireesactuallyspend their money — and why front-loading your retirement income plan could be the key to enjoying your healthiest, most fulfilling y...
Caring for a child or parent can mean a drop in income and a lower tax bracket. Why not take advantage by moving money into a Roth account? Here's how it works....
I am planning to retire (hopefully) soon, and I keep reading things that say I'll need 70% of my pre-retirement income, or 80%, or 90%. The idea being that you will lose some of the expenses related t...
You say you can handle a 40% crash, but does it matter? Your plan ignores your income, debt, and timeline. Here’s the risk capacity data it skips....
Most retirees think tax planning ends with knowing their tax bracket, but that's just the beginning. In this episode, we unpack how different income sources interact in retirement, and how seemingly s...
In this inbox episode, we break down how the Social Security earnings limit works—especially for C corp owners who split income between salary and dividends. Learn what counts toward the limit, ...
Rosemary's husband is scaling back to 32 hours a week as part of his transition plan before switching careers. With Social Security in mind, she asks: Will this reduced income impact their future bene...
Can you rely on dividend-paying stocks for retirement income? You'd have to be extremely wealthy — and even then, the downsides could be considerable....
Policy experts across the political spectrum share similar goals: To restore long-term solvency while improving its ability to support lower-income workers in old age....
Answering listener questions about the pros and cons of traditional vs. Roth contributions, merging finances when a spouse has no income but owns an IRA, and how to maximize annual contributions to a ...
How claiming Social Security affects ACA health insurance depends on if there's a cliff, and your household income before and after Social Security. Learn the Nuts and Bolts I put everything I use to ...
Early retirement income can feel complicated, but a steady paycheck from savings starts with a simple framework. This episode reframes withdrawal decisions, explains why a fixed 4 percent rule can be ...
Recipients, including retirees and their spouses, as well as those who receive disability benefits and Supplemental Security Income, will see the additional benefit starting in January....
FROM THE ARTICLE. Are Workers Warming Up to In-Plan Annuities? Surveys show growing interest in 401(k) plans with a guaranteed-income option. By Maya Dollarhide and Tamara E. Holmes, AARP. Published O...
Social Security made simple: Get expert tips to claim the right benefits, maximize income, and secure your retirement....
Source: SSA.gov 10/24/2025 - blog - Social Security Announces 2.8 Percent Benefit Increase for 2026   excerpts from the link Social Security benefits and Supplemental Security Income (SSI) payme...
Want to maximize your Social Security check? Learn the 10 most common Social Security filing errors and the steps you need to take to boost your guaranteed retirement income....
In 2022, the median sale price for a U.S. single-family home was 5.6x the median household income, which is the ... Read more...
Using a Health Savings Account can be tax efficient way to pay for Medicare. Your CFP can help you get set up to use tax-free income to pay your Medicare premiums....
If you’re 50 or older and planning to make catch-up contributions to your 401(k), big changes are on the way – especially if you’re a higher-income earner. The IRS recently issued fi...
FROM THE ARTICLE. Get accustomed to living on a fixed income, meet with a financial adviser, and other key steps to take. By Bruce Horovitz, AARP. Published October 06, 2025. After working for a lifet...
At this moment my wife and I are are surviving on my SSDI benefits alone, and we do not have any other sources of income. Also, my wife is currently receiving chemo to combat her cancer, and she is un...
Test your basic knowledge of the income-related monthly adjustment amount in our quick quiz....
I am retiring later this year and have been running the numbers ever since I decided to retire earlier this year. My latest estimate for our retirement income shows that it is possible that we may hav...
Learn how to keep more of your retirement income through tax planning in step 3 of the 5 step retirement plan....
Explore how private equity in 401(k) plans boosts returns, income, and diversification with new guidance and innovative solutions....
For almost three decades, I built an income-producing portfolio of dividend stocks and ETFs to support my targeted early retirement. The idea was that it would fund my lifestyle approaching retirement...
The IRS has issued final regulations on SECURE 2.0 Act catch-up contribution provisions. Depending on your income, those may be treated as Roth catch-up contributions....
As America ages and income inequality deepens, concerns about retirement security are mounting....
The hidden complexities of Social Security could cost retirees tens of thousands over a lifetime. While it may seem like a simple income source, the right strategy can dramatically improve your financ...