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Intentional lifetime giving creates far greater impact than lump‑sum inheritances by reducing stress, building responsibility, and passing down values along with wealth.
As I get closer to retirement, I'm trying to figure out the best way to budget for major home expenses. Things like a roof, A/C unit, water heater, or appliance replacement may not happen for years, b...
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 ...
By coordinating withdrawals from retirement accounts to keep your income below certain thresholds, you can save on taxes and benefit from valuable deductions.
Every debt payoff plan runs into the same fork: pay off debt or save for retirement first? It shows up late at night after a strong month, when there’s finally money to spare and no clear answer for w...
Traveling can be fun at any age. You just need a little preparation.
Discover how a 69-year-old engineer can successfully convert a $1.2 million IRA to a Roth before RMDs begin. Learn about IRMAA, tax issues and legacy planning.
Hello, all: When I retired at the end of May 2024, I was under 65, but my wife was not - she started Medicare Parts A, B, and D June 1, 2024. Because of my pre-retirement income, she was slapped with ...
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...
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.
Some parents may feel obligated to help their adult children – but that support may be doing more harm than good.
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...
RMDs can have a serious knock-on effect on your finances in retirement. The key is knowing what's at stake and taking action way before the IRS comes calling.
The 30-year retirement rule is outdated. Is your tax strategy ready for what comes next?
Conventional rules don't count savings, lack of debt or credit score as much as a monthly income. But there are alternative routes you can take.
Retirement can be nerve-racking, even if you're good with money. Rebuild your confidence by learning how retirement income, investments and taxes work together.
The most important aspect of investing is not returns; it's risk management. And that is important to think about when investing in bonds. The post How to Invest in Bonds appeared first on The White C...
I critique the popular investment strategy known as Risk Parity, noting that it is filled with misconceptions and inefficiencies. The author argues that recent performance has been disappointing, espe...
Learn what families need to be aware of when following the FIRE movement.
A new CMS program finally brings Wegovy and Zepbound within reach for seniors. But a hidden rule about your deductible could cost you thousands.
Here's a step-by-step process (with screenshots) on how to open a 530A (Trump) account for the children in your family. The post How to Open a 530A (Trump) Account for Your Child appeared first on The...
Talking with your parents about their money can be awkward, but it's necessary to know what's up as they get older. These tips can help.
There are no two ways about it: Inflation will affect your retirement savings. But you can plan for rising costs without losing the lifestyle you want.
Parents planning to leave money to their children fear one thing: Will wealth make their character or break it? There are some practical ways to find out.
More than half of Americans in their 40s are considered the "sandwich" generation, supporting both their aging parents and raising kids. Here is how financial advisors can support them.
If you're the only child of aging parents, decisions about care and financial affairs may fall to you. These are the risks — and the conversations to have now.
Delaying can increase your benefit, but whether that's worthwhile in the long run depends on other factors.
If you want to use an inheritance to create a charitable legacy, how can you ensure younger generations will carry your wishes forward?
Once you're financially independent, you don't need more books on how to get rich. You need someone to teach you how to be rich. The post 5 Books to Read When You Have ‘Enough’ and Need to Learn How t...
Putting the right documents in place for your loved ones now can shield them from the stress and legal hurdles of dealing with your estate later.
Rising premiums, fewer options and limited benefits can make a long-term care policy hard to find and hard to afford. There are alternatives to cover the costs.
Eligible workers can get up to $1,000 from the new Saver’s Match starting in January. Learn how to open an account, check your income and secure the full benefit.
This week Roger explains why rebalancing is one of the most important disciplines in retirement planning. In the Retirement Toolkit, he explores the difference between a traditional investment allocat...
Your income will determine how much you pay, but here are some smart strategies that can help you lower your premiums.
This podcast episode discusses the Rule of 55 retirement strategy, as well as listener questions about the risks of linking financial accounts to budgeting apps like YNAB, strategies for optimizing Tr...
How families can preserve valuable inherited IRA stretch treatment for a child or grandchild who needs support but doesn’t qualify for SSI or SSDI.
The paradox of retirement freedom is that the system you retired from gave you order but took away control. True freedom lies in giving life a new structure.
Medicaid Asset Protection Trusts can help protect your savings from being drained by long-term care costs, ensuring assets remain available for your family.
Households often have assets they expect to use during retirement that are not level streams of income, as well as expenses that are not expected to recur every year. These items need special handling...
Staring down a massive RMD tax bill at age 75? Relocating to a zero-tax state for a few years could slash your Roth conversion costs. Just beware of the pitfalls.
Money dysmorphia is a distorted view of your finances, even when the numbers are fine. Here’s how to spot it and what to do about it. The post Money Dysmorphia: What It Is, Who Has It, and How to Fix ...
To ensure a fulfilling retirement, view longevity as an opportunity and maintain a balanced portfolio that accepts some risk while planning for substantial costs.
How does your Thrift Savings Plan compare? Discover the average TSP balance by age in 2026, explore new contribution limits, and see if you are on track.
Here's what you need to know about how to withdraw your RMDs from Vanguard. It's not as difficult as you might think. The post How to Take a Required Minimum Distribution (RMD) at Vanguard appeared fi...
This past Father's Day, June 21, 2026, I had a choice to make. I could play pickleball from 9am to 12noon at an indoor club called Flyte, a 30-minute drive north. Or I could take my kids 30 minutes so...
We have recently received inquiries as to how to use Copilot to implement the Actuarial Approach. Copilot can use different data sources to provide reasonable results, but we recommend that you provid...
If you don't pay enough in quarterly estimated taxes, the IRS could penalize you. Here are some ways to reduce those penalty payments. The post Estimated Tax Penalties Aren’t Always Final — Here’s How...
This week Roger breaks down IRMAA Medicare surcharges and why retirees should understand them without letting them dominate retirement planning decisions. He explains how the income thresholds work, c...
Even the best financial plan can be derailed when we're too overwhelmed to follow the guidance it sets out, or worse, think we can always act on it tomorrow.