Retirement planning is the process of determining how much you will need to save and invest in order to have enough money to live on during retirement. It involves setting goals, analyzing your current financial situation, and making a plan to help you reach your retirement goals.
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Morningstar research suggests that while expenses drop in retirement, so, too, does income. Findings suggest some considerations for retirement planning.
You might be surprised: Most millionaires don't feel rich. But you might if you adopt these five key habits that could help you reach millionaire status.
Could one outdated beneficiary form, missing trust provision, or overlooked document completely derail the legacy you intended to leave behind? Topics covered in this episode: The biggest misconceptio...
Congress continues to increase the tax and estate planning benefits of 529 plans, making them a must-consider tool for parents and grandparents.
You combine your housing wealth and lifetime annuities to help ensure that an average of three-quarters of your retirement income is not subject to market risk.
Several major transition points in our lives have an oversized impact. Retirement is one of those. Here's how I'm thinking about it. The post Hanging Up the White Coat: Planning the Emotional Side of ...
Allowing clients to surrender or lapse life insurance policies before gauging value on the secondary market amounts to a fiduciary fail, argues Cole Hallman of Citizens Life Group.
Diligent savers who take steps to capitalize on these tax-saving opportunities can keep more of their wealth and even help build a tax-efficient legacy.
Today, I'm very excited to welcome Jesse Cramer to the podcast. Jesse is the founder of The Best Interest blog and host of the Personal Finance for Long-Term Investors podcast, where he helps individu...
Many women forgo financial planning because it's just another thing to add to their lengthy to-do list. Here's why you should bump it to the top of your list.
Advisors acting as financial planning sherpas can guide clients up tricky terrain to reach retirement peaks.
In this episode, Jessica Porter and Hayley Porter, financial planners at BPG Wealth Management, speak to 401(k) Specialist‘s Managing Editor Amanda Umpierrez about the 401k Girls, a financial educatio...
We cover 8 creative tax strategies, plus the retirement planning approach that can save you more money. The post Creative Tax Planning: 8 Unusual Strategies — and What Works Better appeared first on B...
Hello. I (59F) have been trying to plan to retire early-ish for years. I would like to very much soon. I have tried to make my plans generally as fitting the circumstance at the time only to have the ...
Dual-physician households want for nothing. In the eyes of the observer, they’ve won the lottery of life. A combined household ... Read more
401(k) mistakes aren’t just about saving too little – they’re also about poor planning. Common issues like tax-heavy accounts, lack of diversification, and early withdrawals can reduce your retirement...
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...
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...
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...
From "tax traps" to "safety deposit box blunders," discover the 10 most common mistakes people make when planning their estate.
Planning to live to 95? Why your retirement strategy needs a 'healthspan' reset.
Most people skip retirement planning strategies with the highest payoff. Here are 5 of them, including one that’s essentially free money. The post 5 High-Impact Retirement Planning Strategies Most Peo...
Using ChatGPT for retirement planning? We asked ChatGPT and Boldin AI the same question: “Can I retire?” This is how they replied. The post ChatGPT for Retirement Planning: Does It Work? appeared firs...
Author Ethan Lohr shares how the four buckets retirement income strategy helps retirees behavior-proof their retirement. Many retirees face one similar problem that they struggle to name: the emotiona...
Integrated estate and succession plans ensure a much better outcome for business owners keen to secure their legacy. Here's why a dual approach is so powerful.
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.
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...
When you have a child with special needs, financial planning must not only cover their long-term care but also the financial future of the entire family.
Take this quick quiz to test your knowledge of the essential legal and financial vocabulary required to protect your assets and your family.
These habits, gleaned from a survey of financially savvy adults, can help increase your confidence and guide your planning as you head toward retirement.
A proactive approach like this one can help ensure your wishes are respected, you and your loved ones are protected and your values are carried forward.
Estate planning software can help advisers forge deeper client relationships and leverage the power of AI to provide insights. Here are four options to consider.
Good family meetings bring clarity to estate plans and strengthen bonds. Poor ones turn into ugly battles. This simple tool will help you avoid the drama.
My wife and I met with our CPA today to sign our 2025 tax forms. During our conversation, I asked him how much we could convert from my traditional IRA to my Roth IRA, without bumping us into a higher...
I'm 60. I retire in June. I have a state pension. There's a caveat that says I can retire, lay out for 90 days and start drawing my pension, then return to work for up to five years at full salary (an...
New data from J.P. Morgan reveals how retirement expectations diverge from reality, and what that means for advisors helping clients navigate life after work.
Separating facts from fiction is an important first step toward building a retirement plan that's grounded in reality and not based on incorrect assumptions.
Once you're retired, your focus should shift from maximum growth to strategic preservation and purposeful planning to help safeguard your wealth.
Introducing Boldin's AI Planner Assistant with a complete statement on using AI responsibly in financial planning. The post Boldin’s AI Planner Assistant: Advancing Mission to Make Financial Planning ...
Joe and Big Al spitball two sides of the retirement equation, today on Your Money, Your Wealth® podcast number 570. Daniel in Texas is 40 and worrying about how to support Mom and Dad if their money r...
WHEN: March 23, 2026 12:00 PM-1:00 PM ET. WHERE: Zoom. Register By March 23, 202612:59 PM ET. Retirement planning doesn’t have to be daunting. Collect some tips for determining if you are on track to ...
What's the key to feeling great about your retirement? The power of planning. Explore the wisdom of great minds for a fresh perspective. The post What Great Minds Say About the Power of Planning and H...
How can you give stock worth millions to a loved one without giving them a huge capital gains tax bill? This family's financial adviser provided the answer.
Age 59½ isn't just when you can access your retirement savings penalty-free. It also signals the start of retirement planning opportunities you shouldn't miss.
If you've acquired assets over time, even just a home and some savings, you have an estate. That means you need a plan for that estate for your beneficiaries.
An "all-asset" strategy would integrate housing wealth and annuities with traditional investments to generate more income and liquid savings for retirees.
You need to share details with your family (including passwords and document locations) and stay focused on keeping your plan up to date.
Your retirement could be jeopardized if you ignore the risks you'll face later in life. From inflation to market volatility, here's what to prepare for.
As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invite...
In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable d...