There are a number of risks that can affect your retirement savings and plans. Some common risks to consider include:
1. Investment risk: The value of your retirement savings can fluctuate based on the performance of your investments. If the investments you have chosen underperform, it could impact the amount of money you have available for retirement.
2. Inflation risk: The purchasing power of your retirement savings may be eroded over time due to inflation.
3. Longevity risk: You may live longer than you expect, which could result in your retirement savings running out before you die.
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To outperform the masses, we must take more risk than average. One way to do so is to invest in venture capital. However, venture capital is a form of patient capital, and patient capital requires tim...
If your portfolio's on a roll and you're nearing retirement, it may feel like you're all set. But you might be more at risk of a market downturn than you think.
Take our 10-question quiz see if your hard-earned nest egg is truly protected from hidden liabilities, or if you are exposed to unexpected risks.
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.
What if the biggest risk to your legacy isn't taxes, but what your heirs do with the money once it's in their hands? Topics covered in this episode: Emotional and psychological triggers behind overspe...
Most people spend decades planning for the financial risks of retirement. Almost no one plans for the social ones.
I (71m) retired 8 years ago and having worked as a corporate sales coach, I told my staff often that “you are what you do everyday!” At the risk of offending you, I confess that my wife and I are a go...
Are you taking needless risks? It might be time for a financial check-in to see how much you really need to invest in the markets.
Forbes compared nearly 1,000 U.S. locales on everything from housing costs and taxes to healthcare, crime, air quality and natural hazard risk. These are the top 25 spots.
It's never too late to save for retirement, and there are plenty of ways to build up your nest egg, depending on the level of risk you're comfortable with.
For those who work in AI, let me share a cautionary tale based on history. You may be getting incredibly rich right now, but there’s little point in being rich if your safety is constantly at risk. Ba...
Dr. Wade Pfau explains four ways to beat sequence of return risk and turn your retirement savings into retirement income. For most of your working life, retirement planning feels relatively straightfo...
One of the biggest fears people carry into retirement is running out of money. But for many retirees, the greater risk is something else entirely. Running out of time. In this episode, James Conole, C...
New research found that working an extra year after age 65 could reduce your risk of dying.
Loneliness is your biggest threat in old age, and a diminished social network is risky even if you're financially secure. Start building your connections now.
Here's how to manage portfolio risk in uncertain times, without losing your cool. Because "a well-built plan ... should not follow the news cycle."
What if the real retirement risk zone isn't during retirement… but the five critical years before and after it begins? In this episode, you'll learn about: Pre- vs. post-retirement sequence of returns...
Social Security benefit cuts are a real risk but not certain. Here’s what projections show, and how to plan your retirement accordingly. The post Social Security Benefit Cuts? What the Latest Projecti...
Nationwide, hospitals and other providers are leaving private Medicare Advantage plans, putting thousands of seniors at risk of higher costs and of losing trusted doctors.
In this episode, Roger Whitney breaks down essential elements you need to consider before and during retirement. From understanding inflation risks to strategic asset reallocation, this episode offers...
You'll most likely need long-term care as you age. Not planning for it puts your assets and your family's peace of mind at risk. Here's how to tackle the beast.
Arthur C. Brooks argues that staying in your career too long is a real risk, and that most successful people retire later than they should. The post From Strength to Strength: The Smart Case for Retir...
For retirees seeking less risky savings options, here are a few recommendations based on your preferences.
Outliving your money is the real risk. Learn how longevity can quietly derail even the most well planned retirement strategy.
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.
One of the biggest conundrums parents face is managing their own emotions when a stock market, real estate market, or any other risk asset takes a dive. On one hand, it's painful to watch your portfol...
The real risk in retirement is failing to plan for the "descent" — the psychological and lifestyle changes that occur after you reach your financial goals.
Here's what you need to know about prediction markets like Kalshi and Polymarket and whether you should risk your money with them. The post The Perils of Using Prediction Markets Like Kalshi and Polym...
Different types offer different levels of potential risk. Here's how to choose wisely, from an annuities pro.
It’s natural to want to share your retirement nest egg with family. Learn how to give generously without putting your own financial security or tax bracket at risk.
Retirees with $500,000 to $5 million in assets need a different approach to keep their house and cover ever-increasing health care expenses, including long-term care, without taking too much risk and ...
As doctors, our risk-averse mindset can influence how we manage our finances. And it can hurt us long-term in our retirement portfolios. The post How Loss Aversion Can Ruin Your Retirement appeared fi...
Lessons from ERISA Expert Witness Eric Dyson on how to reduce fiduciary risk and be better prepared if the Department of Labor comes calling.
In the run-up to retirement, your asset allocation needs to match your risk tolerance without eliminating potential for growth. Here's how to find the right mix.
Here are some appropriate times to use debt to your advantage in your financial life. The trick is to know when the risks are too great. The post How to Leverage Debt — The Best Ways to Use Debt to Yo...
For real retirement security, forget about chasing returns and focus instead on the things you can control: income, taxes, risk-taking and decision-making.
Have you become numb to risk? Is your brokerage app or website fueling your desire to trade? An investment adviser explains why it always pays to be cautious.
Let's talk about how elimination periods really work, why they exist, how different periods change cost and risk, and all the nuances. The post Picking the Right Waiting Period (Elimination Period) fo...
FROM THE ARTICLE. From RMDs to longevity risk, these concepts shape how long your savings last. By David Hochman, AARP. Published January 13, 2026. Most of us have spent decades earning paychecks, jug...
Not understanding how the upcoming changes in 2026 might affect you could put your financial security in retirement at risk. This is what you need to know.
Sue van der Linden and her women-led Bluestone Planning Group emphasizes planning discipline, risk management and education to help clients navigate markets and multigenerational decisions.
Jeremy Keil weighs the opportunities and risks associated with giving your money away to your kids and charity. Most retirees I talk with don’t worry about whether they can give money away. They worry...
As savers, we are being rewarded with higher risk-free yields. Treasury bills (T-bills), Treasury bonds, and money market funds are still paying over 4% without taking equity or credit risk. Because T...
Love acts as preventive medicine, shielding health by reducing loneliness, stress, and disease risks. Emotional support improves survival rates, lowers pain, and strengthens immunity. Across cultures ...
Experts weigh in on how the classic 4% withdrawal rule is evolving—and how retirees can tailor it to their own goals, risks, and income sources. The post The 4% rule, revisited: A more flexible approa...
Have financial holes in your retirement plan (like not enough savings or unknown risks)? See if you should use home equity to fill them. The post 5 Ways to Tap Home Equity in Retirement and 7 Times Wh...
The risk of poor returns early in retirement could spoil the whole thing - how can you mitigate the sequence of returns trap in retirement?...
A major reason not to set your retirement plan on autopilot: sequence of returns risk. Here's how to help ensure a bad market won't sink your golden years....
Bills don't stop once you retire — and you can't expect your Social Security checks to cover them all. Don't risk running out of money. Instead, make a plan....
Answering listener questions, where we break down the pros and cons of reinvesting dividends automatically vs. manually, explore how to balance the risk of relying on a pension and 457(b), and talk ab...