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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Most of us focus on how much to save for retirement, but what you'll spend is just as important, and your spending habits might change more than you expect.
Don't dip into your own retirement savings if your child's 529 plan won't cover all their college expenses. The plan can be more flexible than you might think.
Long-term care as you age is expensive and, for most of us, inevitable. Making arrangements now, while you can, is a gift to those you love.
Want a powerful small-market prospecting tool? Discover how retirement plan advisors can leverage startup plan tax credits to win new clients and fix a major filing gap.
I’m planning to leave full-time corporate employment on my 66th birthday next year. The time is right to redesign my life in a way that will allow more freedom of travel, no commute etc. I work in a c...
I’m getting closer to retirement and trying to decide how best to manage planning and ongoing finances. I see a lot of discussion around tools like Boldin and other retirement planners, but I’m curiou...
Roger Whitney explores the idea that retirement always involves both excitement and uncertainty. While people spend years gathering information, running projections, and refining plans, there comes a ...
From Medicare gaps to housing choices, life aboard a cruise ship demands more planning than many expect.
We are pleased to announce that Microsoft Copilot is now an integrated part of our “How Much Can I Afford to Spend in Retirement?” team. Copilot enhances our actuarial approach by providing structured...
Are you ready for the Great Wealth Transfer? Financial analysts estimate that older Americans will pass on as much as $124 trillion of personal wealth to their spouses, heirs, and charities over the n...
Age 58, plan to retire at 63. Between retirement and when our pension and Social Security kick in (ages 68 and 70 respectively), I'll have a 5-7 year window where my portfolio needs to cover a signifi...
Regretting a move to Florida? You aren’t alone. Many people relocate in retirement to a new place they end up not liking. Here's how a half-back move can save your retirement.
Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. Contact Devin's team at https://carrolladvisory.co/podcast1 C...
Don't spend money you don't have. Learn why the Great Wealth Transfer might leave you with less than you think and how to plan around it.
Shifting your identity from working and saving to spending and living can be tough, but here's why you need to do it for yourself and your family.
Tuesday, May 19 - Monday, May 25, 2026 Most Commented score comments title & link 583 558 comments Whoopsies - learnings from regrettable decisions in retirement 94 181 comments Any retirees who plan ...
Morningstar research suggests that while expenses drop in retirement, so, too, does income. Findings suggest some considerations for retirement planning.
You might be surprised: Most millionaires don't feel rich. But you might if you adopt these five key habits that could help you reach millionaire status.
You'll likely be earning the most in the last few years of your career. That's when to start planning how to generate income over 20 to 30 years of retirement.
Paying off your mortgage before retirement sounds responsible. Sometimes it is. Sometimes it quietly costs you the best years of your life. In this episode, James walks through the story of a client w...
If The Pitt’s chief attending has you rethinking the daily grind, it might be time to plan a strategic career pause — before you call it quits for good.
What looked like smart tax planning could become a problem. And not just for you — your kids could inherit a tax bomb. How to head off potential disaster.
Could one outdated beneficiary form, missing trust provision, or overlooked document completely derail the legacy you intended to leave behind? Topics covered in this episode: The biggest misconceptio...
Joe Schmitz Jr. and Jeremy Keil explore the 2% Club of retirees and the unique challenges that come with significant retirement savings and a pension. https://youtu.be/G04JKpKyLJ0 Most retirement conv...
The April 2026 CPI number came in hot, confirming what most of us are feeling in our pocketbooks — rising prices. The Consumer Price Index (CPI) for April crept up to 3.8%, the highest since May 2023....
Most 401(k) plans provide a little-known tool that can increase an account’s flexibility, expand the available investments and potentially increase total returns.
I have no affiliation with any health insurance companies and no particular ax to grind. I just want to share our experience because I see a lot of scary information out there about Medicare Advantage...
A 1% S&P 500 dividend yield leaves an income gap in retirement. An income floor can bridge it, and a Treasury ladder can help build it. The post S&P 500 Dividend Yield Is 1%: How to Plan Retirement In...
Here’s how rising prices are affecting savings – and what retirees and pre-retirees can do to adapt.
What do retirees on Medicare do about dental and vision coverage? Are there programs you can sign up for? I just learned that these are not covered by Medicare, which seems crazy. (61 year old plannin...
In this episode, retirement expert Roger Whitney and Marie Kondo consultant Dr. Lindsey Hardegree explore the transformative power of decluttering. They discuss how clearing physical and emotional clu...
In retirement, a healthcare plan that focuses on prevention and personalized medicine could help you avoid complications that can drive up costs.
When you're standing at a major financial crossroads, the timing of your decisions can mean the difference between success and failure. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on the "when...
John Q. Taxpayer is in the home stretch of his career, looking for the best way to catch-up and build his tax-free bucket. Meanwhile, a pair of young financial nerds in Omaha are already strong savers...
Should Al and Peggy in Illinois keep hammering pre-tax retirement savings or should they pivot to post-tax Roth for better tax diversification? Which pension option is best for their early retirement ...
Joe Anderson, CFP® and Big Al Clopine, CPA are defusing some confusing tax time bombs today on Your Money, Your Wealth® podcast number 557. George in Torrance wants to know the smartest way to deal wi...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball Roth conversions, capital gains, and retirement readiness from every angle, today on Your Money, Your Wealth® podcast number 556. Joe Momma from Vir...
Congress continues to increase the tax and estate planning benefits of 529 plans, making them a must-consider tool for parents and grandparents.
A skiing trip revealed a scary truth about retirement — we're so focused on making sure we don't run out of money, we don't think about running out of friends.
Most people assume retirement taxes are based on how much they withdraw. The real problem is what the IRS eventually forces them to withdraw. In this episode, James walks through what taxes can actual...
Inflation will cut your purchasing power in half over a long retirement. Simply trying to spend less won't work, so you need a plan that helps your savings last.
Sharing a short heads up regarding health as we get older. 64, healthy runner, biker and skier. Have checkups every year, use cpap nightly for 30+ years. Blood pressure normal, low/normal heart rate, ...
Planning on retirement in a couple years. Long time investor - actively screening and investing into my 50s. Late 50s then switched to more of a Bogle approach, which now accounts for the majority of ...
We recently asked ChatGPT two questions about using the Actuarial Approach and its Funded Status metric to evaluate a household’s retirement sustainability. ChatGPT had high praise for the Actuarial A...
A bipartisan proposal to create a 75-year sovereign wealth fund for Social Security is not promising, according to Boston College researchers.
Buying an "inflation protection" investment in retirement, instead of making sure your financial plan can withstand rising costs, is a big mistake.
A common retirement game plan for physicians goes something like this: sell the lake house, buy a condo in Scottsdale, ... Read more
Hi everyone! My Gen X husband (60M) and I (58F) are considering retirement in the next 12-18 months. We recently met with a fiduciary financial planner. He was a great guy, and we felt a good connecti...
Social Security’s solvency problems combined with advice by online financial commentators could cause Americans to accelerate their benefit claims.
Retirement isn't always the carefree finish line people imagine. For many, it marks the start of a deeper search for purpose, identity, and fulfillment. Topics covered in this episode: Why so many ret...