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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While legal and tax strategies are essential for transferring wealth, the more critical step is ensuring your family knows what's coming, how and why.
I'm getting close to retirement and would love to hear some real-world experiences. How old were you when you retired, and roughly how much did you have saved (401k, IRA, pension, investments, etc.)? ...
AI helps clients have informed retirement planning conversations with advisers. It can also rapidly handle technical work, freeing up an adviser's time to talk.
Headlines say Social Security is going bankrupt, but the real story is far more nuanced, and understanding it could help you make smarter retirement decisions before it's too late. In this episode, yo...
Conventional wisdom says you need a massive portfolio, but between Social Security and smart planning, a modest fund is often more than enough
WTW Investments and SEI see enough of a market to develop private market offerings for U.S. defined contribution plans, such as 401(k) plans.
August is encore month on the Retirement Answer Man podcast, giving Roger an opportunity to step back, reflect, and revisit some of the show's most impactful conversations. This week, he replays his d...
Sustainable retirement spending begins with quantifying the present value of your essential expenses and then allocating the remaining funded status toward discretionary “menu items” such as travel, h...
One advisor calls the expected transfer a mirage; others say it may simply unfold more slowly and require more intentional planning.
How much money do you actually need to retire? Many people approach retirement with a specific number in mind—$1 million, $2 million, or another target they believe will finally make them feel financi...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://youtu.be/7lpp3XXiDyQ ======================= You probably think the ...
The backstory, so you understand how I got here: My brand-new husband died unexpectedly six and a half years ago (right before covid), and had no life insurance. Luckily, I make good money, so it didn...
When it comes to a confident retirement, what if the biggest risk isn't running out of money, but waiting too long to enjoy it? As part of our "Freedom After 50" series, author Mike Drak explores: Why...
As I age, I find my ability to handle stress has diminished, and my reaction times probably have as well. Both of those things make driving more nerve-wracking to me. I need a solution because I don't...
I'd love some thoughts on my situation. I just turned 69, widowed since 52. Have always worked full time and still do, always for small companies so no retirement plans. Husband passed 15 years ago. I...
I was really struggling with when to tell my boss (and friend) of 19 years that I was planning on retiring at the beginning of January.. and then he called a meeting to talk about future goals and a p...
Howdy. I’m still employed full time at almost-80, and planning to retire at that age. I’m single; my wife of 50 years passed a year ago. I’m currently trying to get my ducks in a row…. Dealing with th...
How six Americans picked retirement spots ranging from Mauritius to France. Start your own search with Forbes’ list of The Best Places To Retire Abroad in 2026.
SAVE is officially dead. A federal court entered judgment back in March, ending the plan for good, and loan servicers ... Read more
Learn how the type of investment account you use can influence tax efficiency in retirement and why thoughtful planning may help improve long-term financial outcomes.
Federal Reserve, JPMorgan, and Boldin’s own planning data point to the same story for millionaire retirement spending. Here’s the math. The post Millionaire Retirees Spend $70,000 to $120,000 a Year. ...
An overlooked section lets defined contribution plan participants use funds to pay LTC premiums without early-withdrawal penalties.
Take The Assessment: SoundRetirementScore.com In today's podcast, I want to share a brand-new tool we've created to help you evaluate whether you're on track for retirement. Many people think retireme...
Don't get hit with a higher tax bill just when you've lost your spouse. You can deal with it once the worst has happened, but it's far better to plan ahead.
Hi everyone, My wife and i are hoping to retire in about 7 - 10 years, ultimately my question is have I forgotten anything important in my calculations. My wife will retire with a full pension and i w...
Not sure which sub to post this on. A little financial planning, a little healthcare but retirees probably are most familiar with this situation. Retired couple 61/60. Cobra about to run out. Looking ...
Taking action in areas like tax efficiency and estate organization can help you secure your future while also allowing you the freedom to enjoy your savings.
After reviewing dozens of financial tools on this site since 2009, ProjectionLab is one of the most comprehensive planning tools I've come across. It shows you how today's financial decisions play out...
Everyone says to "invest for the long term," but what does that actually mean when you're approaching or living in retirement? As part of our "By the Numbers" series, in this episode, you'll learn: Wh...
"Ute" (SUV), "chips" (French fries), "sunnies" (sunglasses), and "mates" (friends) are just a few of the slang terms I picked up earlier this year when the Keens visited our family in Brisbane, Austra...
Retirement planning is often dominated by withdrawal rules, Monte Carlo probabilities, and portfolio‑centric heuristics. But none of these tools directly measure the core financial question every reti...
IBR and RAP are both federal student loan repayment plans. The quick answer is that for most physicians with a ... Read more
I hang out here a lot and relocation after retirement seems to be discussed pretty frequently. Would love to hear how it's worked out for single people who have moved to a location they always wanted ...
Schedule a Free Financial Assessment with an experienced professional: https://purefinancial.com/lp/free-assessment/?utm_source=captivate&utm_medium=podcast&utm_campaign=free-assessment&utm_content=ym...
Choosing when to claim Social Security can have a lasting impact on your retirement income, but many retirees make this decision without fully understanding how the rules work. In this Q&A episode, Je...
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.
So as I plan for retirement I've been watching a lot of YT videos about it. And they seem to be split into 2 opposing camps. First: Retire now, time is the only irreplaceable resource, most retirees d...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://youtu.be/7lpp3XXiDyQ ======================= Two people retire on th...
$1,440,000 sounds like the finish line. For a lot of people it's actually where a brand new problem starts, one nobody warns you about before you get there. I've sat across the table from hundreds of ...
As Gen X enters its prime retirement-planning years, members of the "forgotten generation" face extra challenges in securing their future.
Plus: Caring for parents, taxing billionaires, buy-sell planning for business owners, LeBron’s move to Philly, tax trivia, and more.
Recent college grads face endless job rejections, forcing parents in their 60s to put exit plans on hold. Here is how families can navigate the strain.
The retirees who enjoy the lowest tax bills in retirement aren't those who earned the least — they're the ones who plan ahead for their retirement income.
The most underestimated risk in retirement may be the one your financial plan can't prevent — the cognitive decline that happens when your mind isn't challenged.
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.
Some ultrahigh net worth clients would be affected by a change to retirement plan contribution and distribution rules that's under consideration in Congress.
Retirement planning feels more urgent when you don’t like your career. I’ve always admired people who genuinely love their work. But I didn’t like my career from the early days. Instead of pivoting to...
The uncertainty and turmoil regarding estate planning is over. There is no reason now to delay action. Create or update your estate plan using this checklist.
The market is doing well, but you still want to monitor your retirement plan.
As many have recommended, you shouldn't rest on your laurels in retirement. You should set new lofty goals and spent your retirement years in worthwhile pursuits. For example: Scanned all my photo neg...