Curated articles and podcasts from trusted financial experts and real retirees.
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Disciplined savers may need to learn how to confidently use the wealth they've accumulated. Here's how you can maximize your money in retirement.
You can easily create a lasting financial legacy for loved ones with annuities that are secure, cost-effective and tax-advantaged.
An accountant's plan to return to Mexico shows why a Social Security claiming decision should begin with the life the money needs to support.
A Senate bill would allow savers to transfer all unused 529 college savings to a Roth IRA, giving them greater flexibility — and their children a head start on retirement savings.
More retirees are afraid of outliving their savings. Why the problem might not always lie in their savings. Here's how to turn your wealth into reliable income.
I am in a fairly high stress position in the private sector. I am in my 50s, and looking at options. One option is to take a job with the state government. There are several positions that I am qualif...
My past IRMAA income bracket projections were all below the actual brackets announced in the following year. Use the lower 0% inflation projections. Learn the Nuts and Bolts I put everything I use to ...
Thanks to the One Big Beautiful Bill Act (OBBBA), the concept of qualified opportunity zones has been reinvigorated. Here's what to know. The post The Return of the Mighty QOZ (Qualified Opportunity Z...
The government has made improvements to the Medicare Plan Finder, a key online tool, in time for open enrollment. It helps seniors compare policies to avoid costly surprises.
As the article points out, there are a lot of deep seated reasons why people don’t spend when they clearly have the money to enjoy retirement. Fear and habit’s are two of the pillars of resistance to ...
Episode Overview Year-end planning doesn't have to become a giant project. Roger walks through the key items every retiree should put eyes on before December 31st -- not to do everything, but to avoid...
This trust safeguards your life savings from high long-term care costs while maintaining your eligibility for government benefits.
Advisors could find a pool of prospects eager for more advice than they tend to get from their 401(k) plans alone.
It could be a good time for you to adjust the amounts of protected and variable retirement income that you receive.
The scariest thing on a physician’s desk this October is the fourth-quarter estimated tax worksheet, propped against a 403(b) statement ... Read more
We asked 15 questions to determine how those who have retired got there. So far, about 150 people have responded. Here's what they said. The post ‘My Spirit Animal Is Now the Sloth’: Real Life Example...
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC George and Louise in Queens bring in $600,000 a year. Should they keep working just to do Roth convers...
Former Disney executive Mary Fossier alleges age discrimination and retaliation. Learn what it reveals about retirement assumptions and employer accountability.
In this week's Wealth Wise advice column, experts explain why you don't have to play it safe if your income is secure and you're investing for your heirs.
Inflation, volatile markets and news from the Middle East have many feeling the need to make changes, but acting on impulse is unlikely to lead to success.
Don't surprise adult kids with a complex estate plan. Prepare them to handle family wealth by teaching them smart financial habits from an early age.
Rising costs for long-term care can pose a major risk to retirement security, but advisors can support clients and caregivers plan ahead and protect their financial security.
Takeaways A 401(k) is a retirement savings plan offered through your employer that lets you invest part of each paycheck. Contributions may be made pre-tax (traditional) or after-tax (Roth), depending...
Newsom backs Prop 42’s retirement pitch. Its broader effect is to block the billionaire tax and restrict California’s future revenue choices.
I’ve heard from a number of retirees (not all) that they are busier now than when they were working. For these people, they say that it’s stuff they WANT to do now, which wasn’t true before, and that ...
I am retiring at the end of this year. My partner and I both have pre-existing conditions making a Long-Term Care (LTC) insurance policy unaffordable, so I have decided to fund one on my own. Has anyo...
I was just thinking it would be nice to have a health Monte Carlo simulator alongside the financial one. You could input you health conditions, height, weight, amount of workout, and of course histori...
Dolly Parton had hundreds of millions of dollars, sophisticated estate planning, and a plan for what would happen after she was gone. Yet conflict still followed her death. In this episode, we look at...
Ready to retire? See what it's like to work with us → https://learn.rootfinancial.com/15076a ======================= You saved well. You invested well. You built $2 million or more. But the habits tha...
Today, I'm excited to welcome Dr. Lorraine Besser to the podcast. Lorraine is a philosopher and author of The Art of Interesting: What We Miss in Our Pursuit of the Good Life and How to Cultivate It. ...
In 2011, I tired of being an employee, and I said to myself, whatever lies ahead is better than what lies behind. So, I began to automate. The post Something New in Medicine, and Something Old — And W...
From healthcare logistics to social ties, here's why staying in my longtime home won out over a tropical move.
Retirees could take advantage of better yields on cash and annuities while paying down variable debt and navigating a tougher housing market.
Women can find it hard to take center stage in their own retirement plan. Here's how to take care of those you love while building a life you love, too.
Your financial plan may need to support you for 35 years of retirement, not 25. Here's how to redo the maths on withdrawals, inflation and lifetime income.
You don't need to have retirement figured out before you FIRE. Why giving yourself permission to do nothing might be the best way to start early retirement.
Required minimum distributions can be used as a tool to help lower your tax bill, smarten your charitable giving and keep your retirement strategy on track.
AI chatbots can offer quick retirement insights, but can also provide outdated figures. Always double-check their advice before making financial decisions.
The 10-year Treasury is paying its highest yield since 2002, and Pimco, BlackRock and Barclays are telling investors to lock ... Read more
At some point, you might find yourself short on money with no obvious way to fix it. You'll have a plan. You'll have strategies. But you won't know exactly where the money will come from. That's where...
Episode 536 00:00 Introduction 01:45 – Market Resiliency & Normalizing Rates 04:15 – Historical Rate Regimes (Post-WWII to 1970s) 07:30 – The Natural Rate Benchmark & Nominal GDP 10:00 – Economic Bene...
Episode 535 00:00 Introduction 02:09 2017 comparison to today’s market 04:03 Planting a Garden Portfolio 06:32 Netflix Potential 07:23 Canadian Pacific Kansas City 08:08 Utility Stocks 09:04 Nucor 09:...
These core estate planning documents will spare your loved ones from court hassles and help ensure your financial and medical wishes are carried out.
Accumulating tens of millions in a mega-retirement account is impressive, but preserving that wealth across generations requires moving beyond standard IRAs.
So I’m turning 65 in a couple of months. I’ve worked for 50 years. I have enough to retire on. My health is good but not great. When I told my family I was as thinking of retirement they were not supp...
As readers of this sub, in retirement and retirement planning we are familiar with the term, "Go-Go Years, Slow-Go Years and our No-Go Years." As a description of averages, it's not wrong. Most people...
I was planning to retire next year but my position was eliminated at the end of September. I’ll be turning 61 early next year. When I tell people I might just retire and not get another full time posi...
Now that I’m retired and no longer have W-2 income, how should I answer the question about income on something like a credit card application? Right now, my income is pretty much whatever I decide it ...
I'm 69 and retired a year and a half ago. My husband is teaching part time. Life isn't as satisfying as I'd like. I've done some house projects, getting back into art, reading more, and a bit of trave...
If you work past age 65, assuming you can delay signing up for Medicare can lead to permanent penalties and costly coverage gaps. Here's how to avoid that.