Curated articles and podcasts from trusted financial experts and real retirees.
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Every investor, whether you do it yourself or have professional help, needs to understand the fees they are paying because this is one of the most important factors attributing to investment performan...
No one can predict the future of finance, so how do you make sure your portfolio is able to withstand the inevitable swings in the market? The answer is through stress testing, which has proven to be ...
We're more than halfway through 2023 and we've already seen the impact SECURE Act 2.0 has on retirement planning. These first six months have given the financial industry time to identify some of the ...
Diversification is a risk management strategy that mixes a wide variety of investments within a portfolio. We'd venture to guess that everyone who is listening to this podcast is very familiar with th...
We know there's always another market crash in the future, but should we be worried that it's happening soon? An economist named Henrik Zeberg thinks so. He expects a massive blow-off top for equities...
You'll never be able to predict the movement of the market but understanding the cycles will make you a better investor. The market goes through different phases and building out a purposeful portfoli...
Many times we find that retirees only look at that investment pillar with the traditional assets in mind. They focus only on investments and ignore critical areas that also need attention. In this epi...
We all have our own savings goals and dreams of retirement, but difficult markets and high inflation can be quite discouraging. Sometimes it feels like you'll never achieve what you've hoped for. So w...
Being flexible with spending absolutely matters in financial planning and it often gets overlooked when people step into retirement. Most people look at their budget and the assets that they've accumu...
We work with people that have investing questions all the time but there are two that investors often boil it down to. They want to know how long they need to be invested to be sure they don't lose mo...
The market has shown some signs that it might be turning around, but we've seen quite a bit of up-and-down over the past few years. These fluctuations have created some nice gains at times for investo...
A year like 2022 doesn't come around too often but those significant market corrections we saw in both equities and bonds made many people begin to wonder about the effectiveness of the traditional 60...
The famous boxer Mike Tyson once said, "Everyone has a plan until they get punched in the mouth." He meant it about his opponents, but we can apply that same idea to financial planning in the middle o...
Reaching retirement doesn't mean you can put your plan in cruise control because plenty of risks remain. One that all recent retirees are dealing with is the sequence of returns risk. This is an overl...
For many people, the goal in life is to have enough wealth that you can pass it on to people or organizations you care most about, and your advisor should be a key partner in helping you with that est...
We spend most of our life saving and investing to accumulate as much wealth as possible before retirement, but there's not nearly as much thought and research given to how you take that money out once...
When things are down, everyone's risk profile gets much more conservative. Emotions shift as the market does, and we spend a lot of time consulting clients to help them keep balance. One of the produc...
Americans have been falling behind on retirement planning for some time now, and the past two years have only increased the difficulty to save money and grow a nest egg. This recent trend emphasizes t...
If you go back to October of 2022, you'll find the worst 12-month period ever for bonds. With the pressure on the economy, bonds struggled right alongside many other investments. The last year showed ...
For the vast majority of retirees, there will come a time when the IRS comes calling and you're required to start taking money out of qualified retirement accounts. These required minimum distribution...
It's that time of the year where taxes become top of mind as people look through income over the past year to get their filing in order, but taxes need to be at the forefront of your financial plannin...
A declining market will make any retiree uncomfortable, and it could put your future in jeopardy if you haven't thought through your withdrawal strategy. Many retirees struggle to shift their mindset ...
The recent passing of SECURE Act 2.0 brought about a long list of planning opportunities, but the change in age for required minimum distributions will give advisors a chance to think outside the box ...
The start of 2023 brought us another round of retirement changes with SECURE Act 2.0 officially taking effect and there are a number of important provisions that retirees need to be aware of. In this ...
Investors use rate of return to make decisions and evaluate performance all the time, but they often get misled by the average return. With the market showing some positive signs to start the new year...
Despite seeing a few positive days to begin the new year, investors are still in the midst of the longest bear market in nearly 15 years and plenty of economic doubt and uncertainty remains in 2023. T...
No matter how experienced you are with money, there's always room to grow and learn. It's a characteristic you'll find in the most successful people, including one of the greatest investors of all tim...
As a record number of Americans turn 65, staying flexible — in your finances and your plans — will be key to achieving your best post-work life.
Life expectancy has risen sharply since 65 was set as the age to stop working. You might need to support yourself for 30 years or more. Here's how to prepare.
Been reading around the net on this subject, and I've been alarmed at the number of retirees with a large percentage of their net worth in equities. Concerned because a prolonged bear market could rea...
I'm considering retiring in a few years at 60 and pursuing a masters at a public university in Italy or France. Possibly a degree in international development, environmental risk assessment, etc. that...
So now I'm retired! A few months earlier than I planned but with a severance package as a parting gift. I was starting to slowly adjust in my mind to how my daily life would shift but now I'm right in...
Umbrella insurance and medical malpractice insurance may seem similar, but they serve different purposes in your financial protection plan. The post Umbrella Insurance and Medical Malpractice: Do They...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/0ce92d ======================= This is the q...
I can't believe it… It's been 10 years since I left my job! What a wild ride it's been. I'm more content with my life/finances than I've ever been before, but I'm also more unsure about what the futur...
Tax benefits are only one of the factors to consider as you make your choice.
I am a 60 year old single man hoping to retire in about 7 years. I make less than 60k/year. I was completely broke at 45 and I saved hard to get to a paid off condo (@60k value) and about 200k in my 4...
Learn how Roth conversions work, when they may make sense, and how taxes, RMDs, Medicare premiums and withdrawal rules may affect your retirement plan.
I've been investing with DLP since 2019. Here's everything I like about DLP, everything I don't, and how my investments have performed. The post Should You Invest Your Real Estate Dollars with DLP? ap...
What if one of the biggest keys to a healthy, meaningful retirement has nothing to do with money? Author and psychology professor Dr. Marc Schulz reveals why your relationships, social connections and...
On August 5, chief AI scientist Jeff Dean announced he was leaving Google after 27 years. Google proceeded to lose ~$180 billion in market cap, making this the largest impact I've ever seen by one emp...
Dr. Jordan Frey is a board-certified plastic and reconstructive surgeon and the founder of The Prudent Plastic Surgeon. After experiencing ... Read more
From second marriages to special needs trusts, test your disinheritance strategy with our 10-question quiz to prevent family feuds.
Think paying off your mortgage means a cheap retirement? From home modifications to maintenance, these sneaky aging-in-place costs can derail your retirement.
Estate planning isn't just for the wealthy — it's for anyone who wants control over what happens next. These four core documents will help you establish it.
Millions of parents are cutting retirement savings to cover rising student debt. Discover three strategies to protect your future.
By coordinating withdrawals from retirement accounts to keep your income below certain thresholds, you can save on taxes and benefit from valuable deductions.
Would you go? It's titled Estate and Retirement Planning Simplified. It dos feel a little like a time share presentation though, but my partner is gunning for the free steak. Do you think is it worth ...
Im 63F with a great job, making good money with a great work retirement savings plan. Spouse is already retired for 6 years. We have enough money between the 2 of us to be fine if I retire now. The is...
After 44 years in IT, my last day of work is in two weeks. I've been cleaning out my home office (I'll use it extensively for writing, photo editing, practicing guitar and such) and just tossed out a ...