Curated articles and podcasts from trusted financial experts and real retirees.
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If a drop in income at retirement has put you in a lower tax bracket, find out whether tactical Roth conversions now could reduce your tax liability forever.
Barring long term care needs like a nursing home, which are over the top expensive, my wife and I should be able to live well off of SS and the 4-5% we make on our portfolio. The question is what to d...
I tried to keep this as brief as possible and it’s still too long. But it’s laid out pretty well. My spouse and I will soon be 62. We both work for government and we’re both eligible for a pension. Th...
K-12 tuition, tax breaks, and Roth IRA rollovers: How grandparents can make the most of a 529 plan.
Your Medigap plan could be much cheaper with another carrier. It's easier than you might think to switch — but beware of the timing trap that can trip you up.
In 2012, two months before my 35th birthday, I engineered my layoff from a 13-year career in investment banking. At the time, it felt like the riskiest thing I had ever done. Was I really going to blo...
A signed revocable trust may accomplish little unless assets are coordinated, correctly titled, and reviewed when finances, property, residency, or family goals change.
Navigating retirement rules means tracking key milestone ages. Test your timeline IQ with our quick quiz before making your next move.
Defaulting to the oldest child isn't always the best move. Follow these guidelines to select a trustworthy executor and keep the peace among your heirs.
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...
Talking to your kids about a proper home valuation can save them from unexpected IRS penalties and capital gains taxes.
Mindy and I are at a big point in our lives. Our new place is done and we have mostly moved in. (More on The Project in an upcoming post.) But we also had to get our prior home ready to sell. This too...
IRMAA medicare surcharges and often an unwelcome and costly surprise for retirees. How to appeal your IRMAA notice.
According to the 2026 Medscape Physician Compensation Report, average physician pay reached $386,000 this year, up 3% from 2025 and ... Read more
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...
The income potential for expert witnesses is real. But we need to determine how a clinician can actually succeed. The post What Expert Witness Work Actually Pays and Why Most Clinicians Never Collect ...
You’re stretched thin, and she has millions. This week's Wealth Wise advice column asks experts how to handle the financial and emotional rules of taking money from your parents.
Before 2026 ends, review your retirement savings, consider increasing 401(k) and IRA contributions, use eligible catch-up contributions, and rebalance your investments. For 2026, new Roth catch-up rul...
I met up for a beer & burger with some of the people I used to work with. They range in age from 72 to 64. 5 of them are retired, 3 are still working. 2 of the retirees are older than I am & retired b...
Ever wonder why Honolulu, Hawaii has the highest median life expectancy of any city in America? Sunshine, moderate temperatures, walkability, and an unhurried pace do wonders for your mental and physi...
I wrote this sitting on a beach in Waikiki. You may ask, "Why is he working while on a beach in Waikiki?" Maybe it's because I'm strange. The post Why the Rich Seem Eccentric appeared first on The Whi...
Mine is on the left, hers on the right. Both of us are now retired (me this month) and will need to turn on one for cashflow. Current plan is to delay mine (larger) one and turn on hers. Financial adv...
I'm nearing retirement (as per the sub's rules). I've worked with a very low cost CFP during the accumulation stage. He's a former co-worker who's doing CFP as a semi-retired gig. One man shop, very l...
Inheritance can create tension between siblings. Financial therapists share practical ways parents and adult children can prevent conflict before it starts.
Happy retirees reported spending 280 more hours a year on hobbies, friends, and meaningful activities. See how core pursuits may help shape a fulfilling retirement.
I originally built Haptica Timer for my wife, who is a physician. Like many clinicians, she spends much of her ... Read more
Smart retirees can still miss important Social Security rules. In this episode, we cover 7 common rules that even well-informed retirees often overlook, and how those blind spots can affect taxes, ben...
A while back, I asked r/retirement for volunteers to help with a story about losing a job around age 60: too old to get hired, too young to retire. Many of you stepped forward, and 10 of you are featu...
The foundation of a sound financial plan is often built on details and protections that, if ignored, can threaten everything you've worked hard to achieve. This week we're exploring essential but ofte...
Some lawmakers are calling for higher payroll taxes for certain workers to help save Social Security from insolvency.
A charitable remainder trust can help if you're anxious to escape a concentrated stock position without a capital gains tax hit.
A deadline for millions of student loan borrowers to exit the SAVE plan is quickly approaching. Those who don’t switch ... Read more
8 Ways to Give Your Budget More Breathing Room in 2026
The younger generations are forgoing investing and are instead gambling on sports to build wealth. It's a potentially tragic decision. The post Are Younger Generations ‘Giving Up’ on Investing and Usi...
Some milestone moments are cause for popping some bubbly and calling your accountant. These are the financial considerations that accompany certain life events.
Although equal splits look fair on paper, they can ignore lifetime gifts, different needs, or hard-to-divide assets and leave siblings fighting long after you’re gone.
Roth conversions are useful in the right circumstances, but "always convert" is a dangerous motto. Here are five situations where a Roth is a deal-breaker.
Building a "war chest" of short-term Treasuries before you stop working can help protect your portfolio if there's a market downturn early on in your retirement.
From buried treasure to a "hot shot" hauling business on the road, advisors share the client retirement plans they never saw coming.
I’m going to be 62 by the end of this year and have enough superannuation to be able to retire. I’ve also got enough annual leave and long service leave saved up to be able to take all of 2027 off. I ...
From jobs to housing, these five numbers show how the American economy can look and feel very different depending on your age.
Very rarely do I get a question in my email inbox to which I don't know the answer. This was one of those times. The post Mega Backdoor Roth 401(k) Contributions Instead of Roth Contributions? appeare...
We are pleased to announce the availability of our new RMD Tax Present Value Estimator workbook. To determine the present value of future household spending liabilities, the Actuarial Financial Planne...
If you've got $2 million or more saved, you probably think you already know how retirement goes. No more stress, finally enjoying life, doing whatever you want. That's not how it goes. Not because of ...
Inheriting money or stocks is life-changing, but it comes with a big responsibility. Take our quiz to see if you're ready to invest your new windfall wisely.
Historically, I've viewed stocks as funny money. It's not real until it's converted into something you can use. Given the lack of utility for stocks, I've long preferred owning real estate. Being able...
Here's what you need to know about the WCI Champions Program and how you can apply to be your school's champion. The post The WCI Champions Program appeared first on The White Coat Investor - Investin...
When Trump accounts were introduced this July, I wondered: Should I take advantage of it? This somewhat convoluted vehicle is really a long-term retirement savings account for minor children. How shou...
Yesterday I went to Lowes, and was shocked at how much prices have increased. I used to pay $2.99 for a 4x8’ sheet of drywall 10 years ago, now they want $26 for the same piece. A 25' roll of 12/3 ele...
For couples starting a new chapter together, financial transparency and candid conversations help prevent conflict, protect assets and avoid costly surprises.