Curated articles and podcasts from trusted financial experts and real retirees.
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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.
Financial advisers have a powerful opportunity to earn deeper trust and create longer relationships by embracing women's unique financial realities.
If you and your spouse are several years apart in age — or simply plan to retire at different times — this episode reveals the financial and relationship challenges most couples never anticipate and h...
Originally published at Millennial Revolution For most of my adult life, I thought freedom meant depending on no one. That’s ... Read more
Gen X has had to adapt to a changing retirement landscape, with more responsibility for building their own financial future.
If your interest rate is around 3%, keeping your loan could give you greater financial flexibility, tax perks, and peace of mind.
Estate planning tips on social media don't always contain misinformation, but what worked for one family may end up causing yours a whole heap of trouble.
With $124 trillion set to move in the Great Wealth Transfer, these wealth-building stocks can help you leave something behind for your kids in turn.
We often consider an age for retirement, like 62, 65 or older. But what about ourselves as individuals? Was there a time when you felt like your mind no longer wanted to engage in your job? You feel d...
It's a big change to go from putting money away to spending it. I'm considering spending a reasonable amount on a tow vehicle and camper but it's not a necessary expenditure. My mind swings from 'now'...
As we grow our wealth and approach retirement, our finances tend to get more complicated and messy. We have more credit cards, bank accounts, investment accounts, and more holdings inside our investme...
Average home equity is $310,000 in 2026, but mostly sits untapped. See how it breaks down by state and income, and how to put yours to work. The post Average Home Equity in 2026: What Homeowners Have ...
Here’s every retirement milestone mapped to the exact birthday: catch-up contributions, the Rule of 55, Medicare, Social Security, and RMDs. The post Retirement Milestones by Age: 50 to 75 appeared fi...
Financial services firms are beginning to think about how we spend our assets in old age, including for long-term care and health care.
Mariana Mazzucato’s common good economy asks who benefits when taxpayers finance innovation, and how public investment can deliver a public return.
New data reveal that Medicare Part D and Advantage plans will be more expensive for both beneficiaries and taxpayers in 2027 and after.
Choosing the right Medicare path can affect your future health care access, costs and flexibility. Understand your options before making a long-term decision.
An even split in your will could cause resentment among adult kids if caregiving hasn't been shared equally. How you can stop that from turning into a dispute.
One of the most overlooked pieces of an estate plan is insurance. But overlooking insurance can cause a bigger headache than you think.
Answering listener questions about some of the trickier corners of financial planning, including 529 strategies, gifting appreciated shares, and upstream gifting for a step up in basis. The post Advan...
Not asking about finances. I'm curious about the ordinary side of it — routine, regular faces, being expected somewhere, having something to solve. What did an average weekday look like in the first f...
By now you must have heard that CMS wants to cut your reimbursement for a same-day office visit by 50%. ... Read more
Claiming Social Security too early or too late can impact your entire financial picture in retirement. It pays to carry out a proper analysis before you commit.
The Great Wealth Transfer promises trillions in inheritance. Discover how age, race, taxes, and healthcare costs shape who actually receives boomer wealth.
Women's retirement planning should account for longer life expectancies, costlier long-term care, and different investment and estate planning requirements.
The family vacation home could become a cause of conflict without a plan for how it will pass to your heirs — and a conversation about who actually wants it.
The other day I made $10 winning a set of tennis at a public park. It was a funny situation because I didn't set out to make money playing tennis. It just happened. I was hitting with my long-time bud...
For most of my adult life, I thought freedom meant depending on no one. That’s why I choose to quit my stressful job and travel the world in my 30s. Obsessively saving and investing was the key to fin...
Advisors discussed how they guide clients through the competing priorities of saving for their own retirements versus their children's college educations.
You may not think about the Federal Reserve when you pay your mortgage, use a credit card, or decide where to keep your savings. But when the Fed raises interest rates, those everyday financial decisi...
How will Medicare deal with weight loss drugs in 2027.
You should not use the terms "always" and "never" when it comes to the 401(k) vs. Roth issue. Here's why you probably need some of both. The post Don’t Roth All of Your 401(k) Money appeared first on ...
Roger Whitney explains six levers that can influence Social Security benefits: reviewing your earnings record, choosing when to claim, managing retirement income, reconsidering an early claim, conside...
Here’s how a property investment could allow you to retire overseas.
Siblings are alarmed after their father's Alzheimer's diagnosis leads their mother to embark on an isolating move. This is how they can help keep Dad safe.
September is Life Insurance Awareness Month. What better time to take a look at the best way to find a policy that supports you and your family?