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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In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable d...
Could a counterintuitive tax move today potentially lead to thousands in savings — or an unexpected tax trap tomorrow? In this episode, we discuss: Why some retirees intentionally harvest capital gain...
Why Plan for Retirement with Only Half Your Assets? You’ve heard the expression, “It’s the elephant in the room,” when referring to something that is huge but still ignored. That’s true in retirement ...
Medicare premiums and taxes can shrink Social Security benefits. Plan ahead to protect retirement income.
Divorce does not automatically change who will inherit your 401k. Make sure you know the rules and update your plans.
Jeremy Keil explains the top 3 tax efficient strategies for charitable giving in 2025. Most people give to charity because it’s meaningful to them — not because of the tax break. And that’s the right ...
Moonshot Madness zaps Apollo's wild ride: Soviets' Sputnik slap sparked NASA's frenzy, JFK's moon dare fueled Mercury's orbits, Gemini's space stunts, and Saturn V's thunder. Tragedies like Apollo 1 t...
Most people have no idea they’re leaving money on the table, especially when it comes to old pensions, forgotten retirement accounts, and benefits from jobs they held years ago.
This post is follow-up to our post of December 22, 2024 and will again highlight the benefits of using the Actuaries Longevity Illustrator (ALI) to help you develop reasonable lifetime planning period...
Roth conversions can save thousands in taxes, but they can also trigger Medicare IRMAA surcharges that quietly add up to more than $5,000 a year. Most retirees never see it coming, because the rules f...
I’m in a cash crunch, and it doesn’t feel good. After buying my house in 2023 and living paycheck to paycheck for six months, I promised myself I would never return to this state. Yet here I am. Part ...
After enactment of the Social Security Reform Act of 1983, Social Security actuaries determined OASDI’s (Social Security’s or the system’s) long-range actuarial balance (LRAB) to be .02%, meaning that...
What if the biggest obstacle to a joyful retirement isn't your money — but the belief that you never have enough of it? In this episode, we discuss: Why "having enough" is both a financial and emotion...
Many years ago, in that world of work I invariably wore black. Dull, sombre coloured suits with white blouses and heeled shoes were viewed as appropriate attire for both office and court room. I think...
Today, I'm thrilled to welcome Fritz Gilbert back for his second appearance on the podcast. Fritz is an award-winning blogger and author of The Retirement Manifesto, one of the most influential retire...
With talk of bubbles, corrections, and overvaluation dominating the headlines, we unpack how you can stay confident, stay invested, and stay sane when markets feel anything but predictable. In this ep...
Jeremy Keil explores 7 money moves you can consider before the new year to lower your taxes and keep more of your money in retirement. Every December, people scramble to finish holiday shopping, trave...
In this episode, Roger Whitney, a retirement planner with 30 years of experience, breaks down annual gifting limits and year-end planning. He shares practical strategies for giving that make a real im...
Steve spent more than two decades building video games, working with a team that felt more like family than coworkers. By all measures, he loved his work. But a heart attack in 2021 changed everything...
Most retirement advice quietly assumes you have a partner: two incomes, two Social Security checks, someone to split expenses with, someone to catch the slack if something goes wrong. But for singles,...
Retiring at 50 sounds bold, almost unthinkable for most people, but for Kent, it was the only decision that made sense once life, loss, and perspective pushed everything into focus. In this conversati...
The end of the year always awakens in me a desire to do a life review – how am I doing with my retirement lifestyle vision, how is my wellbeing, what’s working/what’s missing, what’s the plan for next...
Year‑end planning is critical for wealthy families, in order to preserve wealth, minimize taxes, and grow wealth. Review these key financial planning ideas before 2026.
Yes the Christmas chatter has begun: "Do you have your tree up?" "Are you sending Christmas cards this year?" "Have you bought and wrapped your presents?" On my part the answer to all of those has bee...
As the year ends, it’s the perfect time to take stock of your estate and care documents. Life changes, laws evolve, and priorities shift, making it essential to ensure your plans are still in line wit...
Year end financial planning is a meaningful moment to reflect, make thoughtful decisions about your future, and build confidence. The post Year End Financial Planning: Survey of 1,000 Boldin Planners ...
Dale Hall of the Society of Actuaries explains how to project your longevity and why informed life expectancy matters for retirement planning.
? Show Notes In this episode, Roger Whitney kicks off a month-long series on year-end planning for retirement. He shares insights on tax loss harvesting, a technique that can help you minimize capital...
As you age into your 60s and beyond, you’ll need a robust plan to help maintain and improve your overall health and medical conditions.
I have just returned from another enjoyable but exhausting trip to London to see our granddaughters. On this occasion, rather than driving, Mister E and I took the train and the journey proved to be t...
Michael Dell and his wife, Susan Dell, plan to give away billions of dollars to fund investment accounts for children in the United States.
Medicare Part D open enrollment ends Dec. 7. Compare drug plans now to avoid higher costs and coverage gaps in 2026.
I can't stand AI-assisted writing anymore. It's all over Substack. It's in my LinkedIn replies. It's everywhere. Like a disease slowly infecting our literary consciousness. I even see it from people w...
Feel confident and happy with a solid financial plan for your retirement years.
What if you could employ gift giving strategies that benefit the receiver and also provide the giver significant strategic financial and tax planning advantages? The post The Unexpected Gifts of Givin...
Discover why the biggest barrier to deeper relationships after 50 isn't conflict — it's the certainty we cling to without even realizing it. In this episode, we discuss: Why certainty "hardens" as we ...
Think waiting until 70 is the gold standard for Social Security? We dig into the real math behind delayed retirement credits and the hidden trade-offs that rarely make it into the headlines. Drawing o...
The chancellor has delivered the government’s Autumn Budget. Here’s a summary of the key announcements and what they could mean for your financial plan
Ever since new research at Kings College, London suggested that visiting art galleries is good for our health, I seem to keep stumbling across commentary on the findings from that study. It concluded ...
The most important part of your financial plan isn't your rate of return. It is planning your dreams – whatever is important to you. The post Plan Your Dreams: 11 Guidelines for Building a Financial P...
Have financial holes in your retirement plan (like not enough savings or unknown risks)? See if you should use home equity to fill them. The post 5 Ways to Tap Home Equity in Retirement and 7 Times Wh...
A parent may transition a business to children as part of a succession plan. Be careful about the transfer of goodwill as the IRS may argue it was a gift.
Americans shopping for Affordable Care Act (ACA) marketplace insurance plans during open enrollment – which began this Saturday – are experiencing confusion and dramatically more expensive premiums. T...
? Show Notes In this Thanksgiving Eve episode, Roger Whitney encourages listeners to carry gratitude into everyday life, emphasizing the value of recognizing specific moments and taking “mental snapsh...
Holiday spending is rising sharply in 2025, with shoppers planning to spend more on gifts and online purchases than last year. This guide shares 8 steps to help you avoid holiday debt, set clear expec...
Imagine it's 2004 and I explain to you what a mortgage-backed security (MBS) is. I show you how they work and how banks are using them to sell groups of mortgages to investors. Even with this knowledg...
Without a long-term care (LTC) plan, decisions about your future could fall to others if you become incapacitated, and their choices may not align with your wishes. Failing to leave clear […] The post...
The nation's longevity boom faces a caregiving crisis. Families are unprepared, overwhelmed, and bearing rising emotional and financial costs, demanding urgent action.
Retiring with a pension changes everything about your retirement math. Most people think about retirement in terms of net worth—how close they are to a million, two million, or more. But if you have a...
The highlight of my social calendar in the last few days was an Alpine Evening organised outside the gym where four large tepees were installed on the lawn, complete with a gondola carriage for photog...