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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I’m approaching retirement and want to maintain the sense of “bonus years” I’ve enjoyed while working. In my current job, I receive annual bonuses of 10%-30% of my salary based...
![Americans Lack Plans for Retirement Income [New
Study]](/postImages/postImage10985.jpeg)
Allianz Life’s 2024 Annual Retirement Study is out, and it shows a whole lot of Americans lack plans for retirement income. In fact, more than half of Americans do not have a plan in place for r...
If you are like many people, you put off finalizing estate tax planning until the results of the 2024 election were in. Now they are in - it is time to move forward....
Opponents shouldn’t block 403(b)s from purchasing collective investment trusts. Anyone concerned about fees in retirement plans should be delighted that the use of collective investment trusts (...
What’s a safe withdrawal rate for Wine Guy and Wine Gal in Sonoma California to have 35 years of “guaranteed” retirement spending? How aggressively should they convert their retireme...
The most important part of your estate plan isn't about taxes, investments, gifts, or other financial issues. The priority of every estate plan, for people of every age, is the medical care documents....
Many of us dream of retiring early to enjoy life with our loved ones. The problem? Few of us—The Jackal included—have the financial resources...
Health insurance is one of the most complex and aggravating topics for both consumers and providers in the US. Speak with anyone based outside the US and they all will comment about how much better th...
Jennifer, 54, plans to retire soon. Her husband, 70, is retired, on Social Security, and dealing with some severe health issues. Jennifer worries about possibly becoming single in retirement, which co...
2024 is almost in the books. Below are 12 financial planning ideas to consider before year-end....
Help your families—and change the world—by including legacy planning in your retirement plan....
Many people believe they have solid estate plans but really are putting their legacies at risk because of some very common oversights....
Investors can create a well-structured plan to help achieve their financial goals before year-end. Check out these six investment planning ideas to consider....
Mutual of Omaha and Clear Spring have decided to leave the Medicare Part D drug plan market. Thousands of people could end up with no coverage....
Welcome to another episode dedicated to enhancing your retirement journey! Today, we wrap up our series on year-end action items with a focus on charitable and family giving. Discover how strategic ch...
You’ll gain helpful insights to plan your retirement by asking retired relatives and friends thought-provoking questions during the holidays about their life in retirement....
Committing any of these four common mistakes can set you back in your golden years. Here's how to increase your chances of a successful retirement....
Green Leaf Business Solutions taps First Citizens Bank as Custodian to bring top-tier 401(k)…...
The latest news from Fiserv, ADP, NAGDCA, T. Rowe Price, and more...
These 12 year-end tax tips for retirement will help you minimize your 2024 taxes and reduce future tax bills. The post 12 Year-End Tax Planning Strategies to Keep More 2024 Money and Prepare for Futur...
How can you do more of what you enjoy in retirement? Start by creating a plan. Watch a free clip from the “Retirement Ready: Building Your Financial Plan” online […] The post The Bu...
Hi. We're about five years out from retirement. Want to safeguard our nest egg while maximizing any possible returns. Most of it is in pre-tax IRAs. Financial advisor proposes one of two ways to move ...
One of the concerns for a good financial plan is immediacy of money. The guy I'm talking with has a money market type bucket for money that is readily available (no charge for this service). A second ...
Achieving financial independence requires strategic planning and smart decision-making, especially when it comes to borrowing. Unlike traditional loans, flexible credit lines offer a dynamic approach ...
Thrift Savings Plan contribution limits are rising to $23,500 in 2025 from $23,000 in 2024. Plus, new catch-up limits for people 60-63....
This proposal would undermine support for the program and delay a real solution. My clever friend, and occasional co-author, Andrew Biggs is up to mischief again. He and his lawyer co-author Kristin S...
This is a deep dive into developing a retirement income plan using the concepts of an income floor and a three bucket plan comes from Glen Nakamoto, a long time user of the Boldin Planner. Here is Nak...
Are you delaying retirement, working for "just one more year" to feel ready? In this episode, Ari and James dive into goalpost planning—the tendency to postpone retirement over financial or emot...
To solidify your retirement plan, write it down, reduce your market risk and allocate more safe money into your plan for income....
The Medicare Prescription Payment Plan allows a drug plan enrollee to spread their prescription drug costs out over the year....
Join us in this insightful episode as we continue our series on year-end action items, focusing on optimizing your retirement planning. Today, we delve into the intricacies of withdrawing assets, disc...
Thanks to Rivan Stinson for teeing up the Actuarial Approach in Stinson’s recent Washington Post article titled, “Retiring soon? Plot a detailed budget first before tapping your 401(k).&rd...
With the plans, workers are automatically enrolled and contribute through payroll deductions. The goal is to help more Americans save for retirement....
Despite knowing that they're giving up higher income, many pre-retirees plan to claim Social Security benefits before full retirement age....
You can't change the beginning of the story in your financial plan—but you can change the ending....
The step-up in basis, one of the most powerful tools in estate and tax planning, can make a huge difference in capital gains taxes owed....
I had the pleasure of speaking with Bill Bengen, creator of the “4% Rule” for retirement planning. Bill has been a reader of Financial Samurai for many years and has always been courteous ...
Getting all of your assets to work together is key to having enough retirement income to pay for caregivers and other long-term care needs....
Still, a Corporate Insight report finds that 87% of plan participants are “somewhat…...
With long retirements, you’ll need to plan ahead for multiple phases of life that come with different needs and interests....
Join us as we dive into year-end financial planning strategies to optimize your retirement plan. This episode unpacks the essentials of contributing to various accounts like 401(k)s, IRAs, Roth IRAs, ...
In a world where financial stability often feels elusive, Jim’s journey from military service to financial planning offers a unique perspective on discipline, planning, and the importance of a [...
Want to improve your knowledge of retirement planning without feeling overwhelmed? Welcome to episode two of Retirement Solutions The Podcast! Join Tyson and Ryan Thacker this week as they dive&hellip...
Understanding how the results of the 2024 election could affect your decisions in retirement. It's natural to wonder if political shifts will impact your financial decisions. Many are predicting major...
When you're married but only one spouse works, leaving retirement planning to the working partner puts financial security at risk. A joint effort is vital....
A closer look at the Boeing negotiations only makes the question more puzzling. Boeing workers recently accepted the company’s third offer. The agreement does not include reopening the Boeing de...
As you rake the leaves and clean the gutters, you should also consider tackling seven key year-end planning chores....
It takes planning and some frank conversations, but women can aim for a happy and financially secure retirement while supporting loved ones. Here's how....
I'm 59 and my retirement savings situation is not great. I'm single, female, and live in Texas. I do own a home right now, I have about $140k in equity. I am still working full-time and I'm planning t...
President Trump might extend the bonus estate tax exemption or even repeal the estate tax. But estate planning remains important, just different....