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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Even when your financial plan says you're ready for a big move, it's normal to hesitate — but haven't you earned the right to trust your plan (and yourself)?
Careful planning encompassing location, income, health care and visa paperwork can make it all manageable. A financial planner lays it all out.
Your home is a valuable asset. It is also a powerful financial tool for retirement. Explore 5 ways to use your home equity. Read now... The post Will Retirees Use their $14.39 Trillion in Home Equity ...
I have been retired 1 year. I made about 50k managing my fidelity IRA and overall made around 10%. My plan was to take 4% a year or 20k so that tracks. I keep 6 months of bills in savings currently an...
Did you know you could triple your 401(k) contributions with a mega backdoor Roth tax planning strategy? We share how to maximize your tax free retirement income.
Sue van der Linden and her women-led Bluestone Planning Group emphasizes planning discipline, risk management and education to help clients navigate markets and multigenerational decisions.
Travis Musgrave and Musgrave Dunn & Associates focus on a planning discipline, and proactive problem-solving.
Jason Andrews’ Merritt Point Wealth Advisors has grown to 16 advisors across multiple offices, pairing an independent platform with resources designed to help teams deliver customized planning.
The Willenbrock Group—led by husband-and-wife partners—starts every relationship with a planning roadmap and uses alternatives primarily to reduce volatility.
I’m two months out from retirement. My last day of work will be the day before my 65th birthday. I’ve been excited since fully deciding to do this, last summer. But for some reason, over the last few ...
I lost another old friend this week. He’d had what should have been a routine gallbladder surgery a month ago. The recovery looked normal, until suddenly it wasn’t. One unexpected turn, and two days l...
One thing I have always tried to get better at is anticipating the future. I do this as an investor and try to see what the world might look like five, ten, even twenty years from now. The earlier you...
Looking to enjoy a fulfilling and healthy retirement? Start planning your five pillars in the "peri-retirement" period, years before most begin to prepare.
Like many pre-retirees, it was the single most important question on my mind. "Do I have enough money?" Actually, being married, it was, "Do WE have enough money?" My wife and I were retiring at the s...
As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invite...
Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you’ve been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in...
Jeremy Keil weighs the opportunities and risks associated with giving your money away to your kids and charity. Most retirees I talk with don’t worry about whether they can give money away. They worry...
* in August 2027 - I picked an arbitrary date... It just hit me this past week - I've been working full time since I was 17, and I just turned 66. I've *literally* been employed (in the tech industry)...
I am planning on retiring next year. Between Social Security, a small pension, and rolling my 401K over into and IRA with a 5% return on CDs, I would make $40,000 more per year than I make working now...
Take charge of your retirement by resolving to make robust plans for your health, financial security, and fulfillment in 2026.
For an estate plan to be complete and successful, vital information must be provided to the people who will implement it.
This week’s mixtape: quiet side hustles, aging parents, midlife pivots, newsletters, and boring income that works (oh and a Christopher Cross Cover)
In this interview, I talk with the Director of the Idaho Department of Insurance - Dean Cameron - who is standing up to major Medicare Advantage insurance companies. These companies are eliminating co...
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.