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Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/ad021b ======================= I've spent 15...
Even people who work in financial services have questions when a layoff happens right before retirement. Here are five issues that need to be addressed.
Without an estate tax plan, tax bills could eat into the wealth you worked hard to build. Here are six strategies to help ensure it passes into the right hands.
These steps can help you ensure that the wealth your children or grandchildren inherit is a catalyst for opportunity rather than a source of conflict.
Aging loved ones' care needs put pressure on financial plans and caregivers. It's important to talk openly about options before a crisis happens.
What are the pros and cons of leaving your employee job and joining a concierge practice or direct primary care model? Here are some myths. The post The Benefits and Pitfalls of Entering the World of ...
The Problem Every Passive Investor Faces Physicians are among the most disciplined professionals in the world. You operate in an ... Read more
I retired in December. I had an office job and wore business casual. After I retired I kept wearing the same thing. It just comfortable while I adjusted. But without the stress I have lost about 20 po...
It doesn’t take a small fortune to live affordably overseas, but it does take creativity and discipline.
The American Dream was homeownership because you literally owned a piece of America; owning a piece of its best companies ... Read more
Originally published on Of Dollars & Data What if I told you that $100 at 25 is worth $500 at ... Read more
Retirement planning is less about hitting milestone ages and more about understanding how financial decisions shape long-term income, taxes and healthcare costs.
Skip the crowded cobblestones of the 13 Colonies. These four regional routes prove America’s history is best learned on the open road.
While legal and tax strategies are essential for transferring wealth, the more critical step is ensuring your family knows what's coming, how and why.
Far too many investors take either too much or too little investing risk for their goals. Here's how to get to the right level for you. The post An Appropriate Amount of Investing Risk appeared first ...
I am 68 and my wife is 72. We have no children. We have a few nieces and nephews but have not seen any of them in several years. Our net worth is about $1.8M with a paid off home worth about $425K. We...
I just retired. I (F/68) was laid off at the end of last year and after finally taking care if a chronic health issue with surgery and a long recovery, I did not have the enthusiasm to morph into anot...
While Medicare Advantage offers great perks, it isn't perfect. Here are three signs you should stick with original Medicare.
I'm getting close to retirement and would love to hear some real-world experiences. How old were you when you retired, and roughly how much did you have saved (401k, IRA, pension, investments, etc.)? ...
We have a group of us at work that were severed last month. We're bouncing around ideas. A few want to take a few months off. If we do this and need insurance how does the ACA base our income? Let's s...
In a recent podcast, I talked with Dr. Anthony Zizza, medical director of Element Care, about the Program for All-Inclusive Care for the Elderly (PACE) that provides comprehensive care to low-income o...
AI helps clients have informed retirement planning conversations with advisers. It can also rapidly handle technical work, freeing up an adviser's time to talk.
This week, Advisor Perspectives published my article entitled, “Social Security’s Short‑Term Crisis: What Advisor’s Must Prepare For.” The primary purpose of this article was to focus on possible solu...
It's a mess right now in the medical school private student loan space. Here's how WCI is trying to help—and what you can do as well. The post How to Get Private Medical School Loans (and a Rant About...
Headlines say Social Security is going bankrupt, but the real story is far more nuanced, and understanding it could help you make smarter retirement decisions before it's too late. In this episode, yo...
Back on June 30, I published Summer YOLO Fund: Permission To Spend, giving myself explicit written permission to blow through $40,000 in Honolulu this summer. The $40,000 was originally earmarked for ...
Conventional wisdom says you need a massive portfolio, but between Social Security and smart planning, a modest fund is often more than enough
How you answer this question can make a big difference in your retirement savings, and there's no one-size-fits-all approach. Here's what to consider.
Just over a full year away from my job in the naval/maritime industry. I didn't really want to leave, but I had/have no desire (and no real need) to return to work. I am a life member of a number of o...
I'm 61 and still working full time. My spouse is 52 and also works full time. Both of us have always had health insurance through my employment and her company has none at all (small family business.)...
The average 401(k) millionaire hits that mark around 59. See the moves that build wealth fastest after 50. The post How to Build Wealth After 50: The 20 Key Rules appeared first on Boldin.
U.S. annuity sales hit $464 billion in 2025 and are still climbing in 2026. Here’s what’s driving the surge. The post Annuity Sales Hit a Record High in 2026. Is One Right for You? appeared first on B...
Answering listener questions about helping children buy their first homes, calculating financial independence, and navigating the tradeoffs between one-income and two-income households. The post Shoul...
When people hear I grew up poor in rural China, they usually imagine everything I lacked. The tiny shack shared by three generations. The lack of safe, drinkable water. The constant worry about money....
I've had a funeral service business for 40 years and I like working with the people and working, but I'm getting to retirement age and think I will have to sell. Is anyone in a similar situation where...
Choosing between a pension lump sum and monthly checks? Ask yourself these 3 essential questions before making an irreversible retirement decision.
Most inheritances won’t trigger a federal income tax bill. But what you inherit and what happens afterward mean other tax rules could come into play.
Is fear keeping you from spending the money you worked so hard for? Take our quiz to uncover the mindset holding your retirement back.
WTW Investments and SEI see enough of a market to develop private market offerings for U.S. defined contribution plans, such as 401(k) plans.
I write before my kids wake up and after they go to sleep. That's the arrangement. It means I'm free during summer, winter, and spring breaks, along with weekends, which is the whole point of building...
In the 10 years since I left my job, I'm more content than ever before, but I'm also more unsure about what the future holds. Read more → The post A Decade of Freedom appeared first on Mad Fientist.
I have never run a post on this blog specifically detailing the "11 Bogleheads Principles." Today is a good day to explain them all. The post The 11 Boglehead Principles appeared first on The White Co...
Some parents may feel obligated to help their adult children – but that support may be doing more harm than good.
August is encore month on the Retirement Answer Man podcast, giving Roger an opportunity to step back, reflect, and revisit some of the show's most impactful conversations. This week, he replays his d...
Episode 530 00:00 Introduction 00:19 S&P 500 is at record high 01:18 Inflation and Fed rate hike 06:20 Stagflation not a problem for USA 06:50 Disruption of Strait of Hormuz 08:28 AI Bubble and Circul...
You might think locking in a rate saves you money, but financial flexibility is the real secret to keeping cash in your pocket for these bills.
Plunging stock prices may keep investors up at night. But there's a silver lining to a down market: it's a prime time to save taxes on a Roth IRA conversion.
I need to run some different scenarios, as I’ve recently learned about the potential benefits of waiting to collect social security, using various other income streams in the meantime and all the vari...
A market drop in your first retirement years can cost tens of thousands, even with the same average return. See why, backed by FINRA research. The post Sequence of Returns Risk: How to Protect Your Sa...
Sustainable retirement spending begins with quantifying the present value of your essential expenses and then allocating the remaining funded status toward discretionary “menu items” such as travel, h...