Curated articles and podcasts from trusted financial experts and real retirees.
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Depositing an inheritance check might be trickier than you think. Here are your options and smart strategies to take that gift and build lasting wealth.
With interest rates near two-decade highs, guaranteed income is looking attractive again. Here are 4 ways to play the rate spike.
While conventional wisdom views a career as a stable bond, human capital carries unique risks, so a client's job shouldn't always be treated as a safe asset.
When clients' retirement transition is harder than they expected, a "ready, shoot, aim" approach to income withdrawals is often to blame. Here's how to fix it.
In this panel conversation, Kiplinger editors talk to experts about the Great Wealth Transfer and answer questions on how to discuss inheritance with your family.
Here's my approach to goal-setting and how I incorporate SMART goals into my overall strategy. Using SMART goals has been highly effective. The post Setting SMART Financial Goals appeared first on The...
A $10,000 monthly retirement income sounds like a dream budget, but will it cover your future expenses? We broke it down to see how far it actually goes.
The first five years of retirement can shape the next 20. Learn how market declines, taxes, Social Security and spending can affect your retirement plan.
Advisors may want to rethink one of the industry's retirement rules of thumb. Two researchers suggest swapping the traditional 4% withdrawal rate for a "flexible 3%" rule to lower failure rates for lo...
What things do you do, if any, that benefit your spouse based on your retirement? I'm in education so I've had summers off for many many years. He's always been happy for me to be off in the summers a...
I just retired last June after my wife twisted my arm. I’ve always feared “the market will tank as soon as I retire and start withdrawing from my funds”. Lucky me, it waited 3 months. I’m not used to ...
My writing today is very different from 2013. Back then, I was a dividend stocks and early retirement writer. But now I’m more about passive investing and data-driven DIY financial planning. I’m also ...
My job is interesting and challenging with plenty of opportunity for creativity. I also belong to a great team of supportive, kind and smart people. However, I can’t keep working forever, and I don’t ...
Digest version: I want to acknowledge and celebrate my sister's retirement in a way that mine was not, but she's not welcoming any such gestures. Plainly people experience this event differently. I re...
So my spouse (58) and i (58) are considering retirement the end of next year. We are getting a bit nervous about it. When we do retire we should have $95k in retirement savings, $175k in hysa/cds. We ...
I am wanting to really thread the needle with our retirement plan but my wife is a bit more conservative (also three years younger than me). I’m 55 and we have over 1.3M in a variety of retirement acc...
I have have been extremely fortunate in my career as an attorney and am planning on retiring in November just before I turn 65. My wife retired last year at 63 with a fairly lucrative retirement portf...
For decades, the retirement savings advice has been consistent: Save more than you spend. Invest the difference wisely. Max out your 401(k). Reach your number. But then something […] The post The Fore...
We are increasingly measuring financial success by the peace of mind, stability and life choices money brings rather than the total net worth we accumulate.
Annuities tend to generate strong opinions. Some people insist they're terrible. Others talk about them as though every retiree should own one. Jeremy Keil and Jeremiah Konger of Annuity Association a...
Answering listener questions about how FDIC and SIPC protections work and where they fall short, why money market funds can be a good option for holding significant cash, and what changing diversifica...
Avoid sweltering summers and winter chills in these retirement destinations.
Find out when you can expect your 2027 Social Security payments and the date you get paid when your scheduled day falls on a holiday.
Eighty percent of retirees pay $0 in federal income taxes, but since you have a pension, you're likely in the 20% who will pay taxes. What you can do about it.
Open enrollment is just weeks away; it’s time to review your Medicare drug plan.
I recently shared that I'm 49 and out of cash because a venture capital fund called capital much faster than I expected. I assumed a conservative 30% of my commitment would be called in year one. Inst...
From caregiver contracts to unequal inheritances, estate planning experts explain how to reward your most dedicated child without fracturing the family.
This estate-planning tool provides financial security for a loved one who has a disability.
Explore “Everywhere Millionaires” and how Main Street business owners in construction, logistics, and food service may build enterprise value over time.
Retirees can earn more interest today, but even small increases can trigger higher taxes, shrink deductions or raise future Medicare premiums.
Even something as simple as buying a new car can have wide-ranging consequences. This metaphor can help you understand your options.
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 ...
Accidents are a real-world possibility that could happen to anyone, even physicians. Which is why umbrella insurance coverage is important. The post Understanding Umbrella Insurance Coverage: What’s P...
The generation-skipping transfer tax is a federal tax on gifts or inheritances to grandchildren or individuals two or more generations younger.
High borrowing costs are freezing mobility for aging homeowners. Here’s how to access your home equity without wiping out your savings.
Successful retirement planning is about building a predictable, self-made paycheck that covers your essential expenses so you can enjoy life without worry.
I went to a smaller school in my early education days. It ran from kindergarten through 8th grade and had probably 300-400 students at the most. My grade had maybe 30-35 kids in it and, except for a c...
You may be helping aging parents with medical expenses and adult children with living costs. How to care for your family without sacrificing your retirement.
You read that right, we’re bringing the holiday spirit earlier this year with a discussion on how early is early ... Read more
Think twice before dropping cash on high-maintenance toys. Here are five expensive items retirees are far better off renting than buying.
An inheritance can bring opportunity but also responsibilities. Take this short quiz to discover how ready you are, and get tips to protect your legacy.
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC How do you know if you're really on track to retire, especially if you're hoping to get out early? Fre...
Equities have begun to show some vulnerability. Do you need more bonds and alternatives in your retirement portfolio?
Flex Review (2026): Is the Rent-Splitting App Worth It? Honest Pros & Cons
Regular physical fitness can defer long-term care by two years, yielding a financial return that most portfolio strategies cannot match.
Tech giants are borrowing heavily to fund the AI boom. Here is what older investors must do if those debts trigger a market crash.
Even if you're very wealthy, you may need to plan for long-term care through age 100. Our Wealth Wise columnist asks the experts what to do.
From a social perspective, being retired is like working from home. If you want to have a purposeful retirement, you need social interaction. The post The Importance of Social Interaction in Retiremen...
After stretching for the nicest house I could afford in 2023, I ended up living paycheck to paycheck for six months. It was stressful enough that I picked up a part-time consulting gig to shore up liq...
You must coordinate different retirement timelines while stretching your savings to cover a longer lifespan.