Curated articles and podcasts from trusted financial experts and real retirees.
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If The Pitt’s chief attending has you rethinking the daily grind, it might be time to plan a strategic career pause — before you call it quits for good.
Want to give your kids a home down payment? Want to help cover daycare expenses? Instead of writing them a check, transfer appreciated stock into their account.
What looked like smart tax planning could become a problem. And not just for you — your kids could inherit a tax bomb. How to head off potential disaster.
We owe it to our loved ones to consider what will happen when we pass away. Taking care of our own paperwork now will spare them time, stress and money later.
Too many docs and high-income earners actually think half their money goes to taxes. So, let's talk about effective and marginal tax rates. The post Marginal vs. Effective Tax Rates appeared first on ...
AI and cyber threats to brokerages are growing. Will keeping your retirement funds in two or more institutions lessen your risk of getting wiped out?
If a special needs trust isn't structured correctly, the recipient could lose out on a chunk of money when they need it the most. Here's how to prevent that.
I vividly remember sophomore year of college. It was 10:30pm and I was leaving my girlfriend's apartment by car. Instead of coming to a complete stop at the stop sign, I slowly rolled on through and t...
Need help with January 2028 retirement. Wife and I will both be 62 at time of retirement. My gut is to take the largest partial lump sum distribution (PLSD) and get money in my hands. That amount is $...
I was moved to write today by the Ferrari “Luce,” an electronic model from the luxury sports car manufacturer. Ferrari ... Read more
Could one outdated beneficiary form, missing trust provision, or overlooked document completely derail the legacy you intended to leave behind? Topics covered in this episode: The biggest misconceptio...
Tail coverage is no longer a technical add-on for malpractice insurance when terminating a contract. It is long-term financial protection. The post Malpractice Tail Coverage in the Age of Nuclear Verd...
Joe Schmitz Jr. and Jeremy Keil explore the 2% Club of retirees and the unique challenges that come with significant retirement savings and a pension. https://youtu.be/G04JKpKyLJ0 Most retirement conv...
Ground rules can be negative. This article describes new and positive rules for a fulfilling life after retirement.
The April 2026 CPI number came in hot, confirming what most of us are feeling in our pocketbooks — rising prices. The Consumer Price Index (CPI) for April crept up to 3.8%, the highest since May 2023....
Inflation can reduce purchasing power and pressure retirement savings. Learn how different inflation environments may impact retirees and investors.
Most 401(k) plans provide a little-known tool that can increase an account’s flexibility, expand the available investments and potentially increase total returns.
Adopt careful strategies to prevent running out of money and replace FORO with YORO.
I have no affiliation with any health insurance companies and no particular ax to grind. I just want to share our experience because I see a lot of scary information out there about Medicare Advantage...
If wealth management clients have children who are recent college graduates, pointing them in the right direction on their first 401(k)s helps build strong connections with two generations.
College towns are booming retirement hubs, but experts warn that retirees often underestimate the hidden costs. We break down the options for a couple with $3.2 million.
While critics complain that economists are always at odds, there are plenty of areas of agreement that contain valuable lessons for our working lives and more.
A $150,000 gift can cost $360,000 in retirement terms. Here's the opportunity cost math, gift tax rules, and four ways to structure the help. The post What Buying a House for Your Child Costs Your Ret...
A 1% S&P 500 dividend yield leaves an income gap in retirement. An income floor can bridge it, and a Treasury ladder can help build it. The post S&P 500 Dividend Yield Is 1%: How to Plan Retirement In...
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.
I imagine we all have a few favorite writers. Sahil Bloom is one of mine. If you’re not aware of Sahil, you should be. He’s an excellent writer, and over […] The post Just Make The Coffee appeared fir...
Research links retiring early to cognitive decline, while continued work is associated with stronger cognition.
Here’s how rising prices are affecting savings – and what retirees and pre-retirees can do to adapt.
An interview with Ben Carlson, where we talk about how investors can better think through risk, reward, and the tradeoffs that come with building wealth. We also discuss market fear, portfolio complex...
If you have $5 million saved for retirement, your RMDs will change every year. Find out exactly how much you must withdraw at ages 73, 75, 80 and 85.
The established wisdom is never to touch your Roth IRA, but if it contains a large sum and you have a pension, too, here's when you should tap into it first.
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.
Here's something I've noticed: the loudest voices arguing against life insurance after financial independence almost always come from people who aren't financially independent yet and don't have kids....
What do retirees on Medicare do about dental and vision coverage? Are there programs you can sign up for? I just learned that these are not covered by Medicare, which seems crazy. (61 year old plannin...
I took a job about 400 miles away from my family some 24 yrs ago. And last year i retired at 65. My parents have passed so its me, my sister and her 2 daughters. Ive never really been close with her 2...
In this episode, retirement expert Roger Whitney and Marie Kondo consultant Dr. Lindsey Hardegree explore the transformative power of decluttering. They discuss how clearing physical and emotional clu...
We asked you to fill out the 2026 WCI survey, and so many of you did. Here's what you said, what you like, and what you want us to improve. The post WCIers Are Crushing It! appeared first on The White...
I am 57 years old and still working full time, living on my own. My sister is 54, in poor health, and lives with my mom. Our mother is soon to turn 81, in reasonably good health, or at least has way l...
I find out spending way more partly because we have more time and focusing on stuff like fixing up house and garden and eating out more though since we are doing that focusing on healthy lower cal pla...
Before you book your next getaway, test your travel savings strategy. Take our short quiz to uncover the best ways to protect your wallet on vacation.
In retirement, a healthcare plan that focuses on prevention and personalized medicine could help you avoid complications that can drive up costs.
Teaching kids financial literacy doesn’t have to be complicated. Summer can be the perfect time to teach children and teens real-world money skills through allowances, chores, summer jobs, grocery sho...
Is big tech ruining the quiet retirement dream? From soaring electric bills to relentless noise, here is the hidden toll data centers are leaving on local communities.
Wealthy Americans are exploring dual citizenship or Golden Visas in an attempt to escape the U.S. for a better life in Europe. These are the options.
While managing a serious illness can be brutal, many couples find the experience transforms their marriage for the better and forges an unbreakable bond.
When you're standing at a major financial crossroads, the timing of your decisions can mean the difference between success and failure. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on the "when...
John Q. Taxpayer is in the home stretch of his career, looking for the best way to catch-up and build his tax-free bucket. Meanwhile, a pair of young financial nerds in Omaha are already strong savers...
Should Al and Peggy in Illinois keep hammering pre-tax retirement savings or should they pivot to post-tax Roth for better tax diversification? Which pension option is best for their early retirement ...
"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 million saved, but they still lie awake wondering if ...
Lucky Lou is 48, burned out and wants to punch at 50. How should he bridge the gap before pensions and Social Security? Joe Anderson, CFP®, and Big Al Clopine, CPA walk through the Rule of 55, 72(t)s,...