Retirement planning is the process of determining how much you will need to save and invest in order to have enough money to live on during retirement. It involves setting goals, analyzing your current financial situation, and making a plan to help you reach your retirement goals.
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Good family meetings bring clarity to estate plans and strengthen bonds. Poor ones turn into ugly battles. This simple tool will help you avoid the drama.
I only recently found out that financial coaches exist… people who help with budgeting, saving, and planning Are they actually worth it for someone like me? For context: I’m a woman in my 50s, just so...
My wife and I met with our CPA today to sign our 2025 tax forms. During our conversation, I asked him how much we could convert from my traditional IRA to my Roth IRA, without bumping us into a higher...
Roger Whitney shifts from financial planning to the non-financial pillar of relationships, sharing a live conversation with Harry Reis about how to feel more loved and connected in retirement. Togethe...
The retirement mindset mentor George Jerjian explains how a second chance at life inspires him to help coach people into retirement. When George Jerjian was 52 years old, he was diagnosed with a bone ...
I'm 60. I retire in June. I have a state pension. There's a caveat that says I can retire, lay out for 90 days and start drawing my pension, then return to work for up to five years at full salary (an...
New data from J.P. Morgan reveals how retirement expectations diverge from reality, and what that means for advisors helping clients navigate life after work.
The Pinpoint Policy Institute's public campaign against the Institute for the Fiduciary Standard reflects a mysterious phase of the ongoing debate on private investments in 401(k) plans.
If you plan to punch the clock for the final time decades before "standard" retirement age, you need a financial strategy that goes beyond just saving. Joe Anderson, CFP® and Big Al Clopine, CPA spitb...
UK here and realise a large US audience may have different ‘normal’ for cars but let’s see Have always driven family/practical cars. Enough space for car seats and strollers and lanky teenagers and ho...
Retiring at 55 is not just retiring ten years earlier. It changes the entire math of your life. From 55 to 65, expenses are often at their highest. You are covering healthcare before Medicare, traveli...
Private equity in 401(k)s may face significant liquidity strains, reducing returns and complicating plan management, according to new Morningstar research.
Including your wishes in your will or in a pet trust can ensure proper care when you can’t provide it.
For Gen X, delaying retirement can be an opportunity to pilot-test your second act, plan for your inheritance and structure trusts for your kids.
Got a seriously good/very bad job with lots of stress. Happy to let the job go so I can take care of my mom, not die before retirement like my dad and enjoy my few remaining years. What have I not tho...
Looking to start a Roth IRA by April 1 so I can get a start on the 5 year rule, I have 401K plans but will need some roth if I have any chance of ever getting under the 400% magi in 4 years, where sho...
Separating facts from fiction is an important first step toward building a retirement plan that's grounded in reality and not based on incorrect assumptions.
Talking to heirs about transferring wealth can be overwhelming, but avoiding it now can lead to conflict later. Here's how to start sharing your plans.
A resilient retirement plan is a flexible framework that addresses income, health care, taxes and investments. And that means you should review it regularly.
What can you learn by creating a retirement plan? Get inspired by 19 planning insights and discover your path to a secure future. The post 19 Reasons to Create Your Own Retirement Plan (It’s A Lot Mor...
What if the confidence you're searching for in retirement decisions hasn't disappeared, but has simply been drowned out by noise? In this episode, you'll learn: Why retirement decisions feel more emot...
Your spouse wants to remodel your kitchen and several bathrooms in your house. You’ve received a quote for the work for about $100,000. Using a strategic withdrawal approach and a Monte Carlo modeling...
President Trump's State of the Union address touched upon several topics, including a new retirement plan for Americans. Here's how it might work.
This morning, I read the obituary for a 64-year old man (eight months younger than me). The obituary included the following sentence: "He was planning to retire on March 8". Yesterday, I attended the ...
Once you're retired, your focus should shift from maximum growth to strategic preservation and purposeful planning to help safeguard your wealth.
Legacy planning integrates your values and stories with legal and tax strategies to ensure your influence benefits loved ones and good causes after you're gone.
President Trump announces a federal retirement savings plan with a $1,000 match. Will it close the coverage gap?
This post is a follow-up to our post of August 23, 2025 where we encouraged financial advisors and DIYers to ditch Monte Carlo modeling and its probability of success metric and adopt the Actuarial Ap...
President Donald Trump unveiled a federal plan offering government-backed retirement accounts with a $1,000 annual match for workers without employer-sponsored plans.
So wife and I (Canadian citizens) plan to spend periods of about 3 months living as tourists in several European mid-sized cities. Renting via AirBnB seems pricey, so we wonder if there is some differ...
An existing law could help create new retirement savings plans for people who lack them. But there may be income restrictions on any match.
According to the most recent available data, the IRS collected $5.1 trillion in taxes in 2024. Just ten years earlier, it collected $3.1 trillion. We all grumble about paying the government this time ...
Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you ...
Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distrib...
Introducing Boldin's AI Planner Assistant with a complete statement on using AI responsibly in financial planning. The post Boldin’s AI Planner Assistant: Advancing Mission to Make Financial Planning ...
The 4% rule has guided retirement planning since 1994 — but it was designed for 30-year retirements, not the 50-year ... Read more
Joe and Big Al spitball two sides of the retirement equation, today on Your Money, Your Wealth® podcast number 570. Daniel in Texas is 40 and worrying about how to support Mom and Dad if their money r...
I (63m) am planning to retire from practicing law sometime before age 70. I see friends retiring and pursuing creative hobbies like photography and woodworking, but I have none and am not really inter...
Explore how different philosophical and cultural definitions of time can provide insights into your financial decision-making process. The post Understanding How Concepts of Time Impact Your Financial...
WHEN: March 23, 2026 12:00 PM-1:00 PM ET. WHERE: Zoom. Register By March 23, 202612:59 PM ET. Retirement planning doesn’t have to be daunting. Collect some tips for determining if you are on track to ...
We are 66 and have reached our retirement savings goal. Our plan is to travel, but my husband can't seem to let go of work.
The final five years before retirement are not maintenance mode. They are leverage years. Small decisions made here can outweigh the previous twenty years of saving and investing. In this episode, Jam...
One in two Americans don't know much about Social Security — and some are basing their retirement on mistaken beliefs. It's time to separate fact from fiction.
Well, after working for the last 47 years, I can finally take a step back from the work force. Been working as a union carpenter as well as a hobbist investor amongst numerous other things. Money is n...
Five stats show how you need to rethink retirement, because "the future ain’t what it used to be."
In the first new 401(k) Specialist Pod(k)ast episode of 2026, Editor-in-Chief Brian Anderson sits down with Kelby Meyers, founder and CEO of Nestimate, to explore the evolving landscape of in-plan ret...
Happy 2026! Get the updated FAANG FIRE Cheat Sheet with new 401k limits ($24.5k), tax brackets, and triple paycheck dates.
There's never a bad time to make or review a financial plan. But recent changes to the financial landscape might make it especially important to do so now.
Learn the pros and cons of different Roth conversion timing strategies and how to choose the right approach for your retirement plan. The post Timing Roth Conversions: Should You Convert at the Start ...
What's the key to feeling great about your retirement? The power of planning. Explore the wisdom of great minds for a fresh perspective. The post What Great Minds Say About the Power of Planning and H...