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Families also have options like 529 college plans and custodial brokerage accounts. Find out which one works best for you.
Roger Whitney closes out his five-week Social Security series with a practical framework for married couples deciding when to claim. He explains how to coordinate benefits, avoid common mistakes, and ...
Roger Whitney explains how solo filers can make a confident Social Security claiming decision without getting overwhelmed by complexity. He covers the biggest mistakes to avoid, introduces a practical...
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC 63-year-old Kevin in Denver is pulling $100K a year out of his portfolio. What’s the tax-smart way for...
Bridging the gap between your vision of retirement and real financial readiness requires planning, adaptable income strategies and expert guidance.
My husband and I are retired at 60/61. We are trying to bridge the gap between today and Medicare. Today I developed a plan to take a large withdrawal this year and limit income over the next three ye...
Phasing out full-time work creates a unique transition window for Roth conversions. But watch out for these tax traps.
Your retirement plan may be financially watertight, but if you don't have a reason to get out of bed every morning, all that effort could go to waste.
As clients consider when to claim Social Security, an advisor proposed a strategy to maximize tax-free retirement income using certain benefits and senior deductions.
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://youtu.be/7lpp3XXiDyQ ======================= You probably think the ...
When looking for a contractor or a financial adviser, hiring based only on price is risky. These questions will help you find the right person for the job.
Does your retirement plan account for increasing healthcare costs and longevity? It's time to stop focusing on market returns and take a more complete approach.
As retirement approaches, you need to shift focus from simply saving money to creating a plan for reliable retirement income while also protecting your wealth.
I started investing in dividend-paying blue chip stocks in 1995 when my uncle gave me a share of Chevron stock. He told me that if I keep buying more shares and reinvesting the dividends into addition...
Recent events have reminded me of the old adage: "when it rains, it pours." Car died, landscaping bills due, dishwasher died, chair died. On and on, actually, in the space of a couple of months. My re...
Preventive health spending is a type of risk management that can lower future costs while protecting your health and your money. Here's how it works.
The 60/40 split could leave substantial portfolios exposed if stocks and bonds decline simultaneously. Accredited investors must take a new approach.
Claiming Social Security early might seem counterintuitive for the ultrawealthy, but one advisor says that when the benefits are used to fund life insurance in an irrevocable trust, the strategy could...
Noncitizens don't get the unlimited marital deduction. Learn how the QDOT bridges this gap to defer estate taxes and protect your family's legacy.
In retirement, a healthcare plan that focuses on prevention and personalized medicine could help you avoid complications that can drive up costs.
It can take creativity, patience, and hard work to make the “working-longer” retirement strategy work for you.
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...
Are you maximizing the legacy you’ll leave behind? Take our 10-question quiz to evaluate your strategy today.
What if the strategy you trust most for retirement income is quietly costing you hundreds of thousands of dollars? Topics covered in this episode: The real driver behind outperformance Sequence of ret...
When I was younger, I had a simple budgeting strategy for making decisions. I called it my trifecta theory. If something checked three boxes… Financially smart, Personally beneficial, and Efficient […...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether a popular early retirement strategy could actually blow up your financial plan, today on Your Money, Your Wealth® podcast number 577. Red...
Don't just set and forget your 401(k). Creating a plan for investments, income and health care ensures your balance translates into lifelong financial security.
When I retired in 2018, I implemented the Bucket Strategy. What would have happened if I had used the 60/40 Portfolio instead? I decided to find out. For today’s post, […] The post The 60/40 Portfolio...
Once you're retired, your focus should shift from maximum growth to strategic preservation and purposeful planning to help safeguard your wealth.
Millions of people over 65 care for grandkids, adult kids or aging parents and will also need care themselves. Building a caregiving strategy is crucial.
If your house is too cluttered, it's probably time to do something about it. Decluttering will save you time; space; and, yes, money. The post Decluttering as a Financial Strategy appeared first on Th...
I have just returned from another enjoyable but exhausting trip to London to see our granddaughters. On this occasion, rather than driving, Mister E and I took the train and the journey proved to be t...
Spend safely in retirement? It sounds promising. Discover how to implement this retirement income strategy developed at Stanford. Read more… The post Want Reliable Retirement Income? Use the Sp...
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...
When you're job hunting, AI may undermine your best efforts. Here's how older women can throw a wrench in the algorithm....
FROM THE ARTICLE. How Your Savings Can Get You a Bigger Social Security Payout. A ‘bridge strategy’ to delay your benefit claim could make your money last longer, but few retirees try it. ...
As Q4 begins, now is the time to review your 401(k) plan and make sure your retirement strategy is on track. Waiting until December often means scrambling or missing out entirely. But acting now can a...
How many 401k rollovers per year can you do? Understand the one-per-year rule, direct rollovers, taxes, and smart timing with Boldin’s Savings Playbook. The post How Many 401k Rollovers Per Year...
Charitable giving is a cornerstone of many comprehensive retirement plans. It's also a cornerstone of our mission at Keen Wealth Advisors. Our whole team takes great pride in serving as active members...
I am 60 and set a target retirement date for me and my spouse of Jan 1, 2028. 2 years + 3 months. Based on my savings/spending and conservative growth projects, I think we should be fine. What is your...
What should you invest in if you're really, really worried about the current level of the US debt? There are plenty of options to consider. The post The National Debt and World War III — How Sho...
Your 401(k) shouldn’t be a “set it and forget it” investment. While automation makes saving for retirement easier, it doesn’t mean your account should be left untouched for yea...
Investors must be able to free up cash to meet short-term needs from time to time. This strategy will help you access capital without derailing your long-term goals....
To read this story on KSL.com, click here. “You’ve heard of ‘compounding interest,’ right?” asks Utah financial advisor Ryan Thacker. “It’s your money rolling...
If you're a business owner looking to sell and retire, it can take years to complete the process. Use this five-year timeline to prepare and stay on track....
In his June 25, 2025 Kitces.com post, Adam Van Deusen encouraged financial advisors to help their clients understand when they may have enough retirement savings to “Coast-Fire” and keep w...
Conventional financial wisdom encourages you to delay collecting Social Security benefits until age 70, but in certain cases, your “optimal” claiming age might actually be to pull benefits...
When retiring early, married couples can use this little-known (and legitimate) strategy to take a six-figure income every year — tax-free....
Ever since I left my day job in 2012, I’ve used a form of the dumbbell investing strategy to grow my wealth while protecting against large losses.It’s a framework that’s helped me st...
If you're like many retirees we meet with, you may struggle to spend confidently in retirement, even when you've saved enough. Here, we explore a potential strategy: an alternative to the annuity-base...