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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Starting in 2026, the Federal Thrift Savings Plan (TSP) began allowing in-plan Roth conversions. Here's what you should know. The post Yes, You Can Now Do Roth Conversions in Your Thrift Savings Plan ...
I recently attended a financial advisor conference focused on artificial intelligence. Drawing on what I learned, this post summarizes my thoughts on how AI may reshape financial planning for retireme...
While the Lower 48 shift to private plans, Alaska is proving that original Medicare can still deliver high-quality care at the edge of the world.
Most people do DIY retirement planning on their own. Here’s why a small peer group and tools you control can change everything. The post DIY Retirement Planning Works Better With People You Trust appe...
We are retiring next year and I wonder how we should pay ourselves beyond whatyou receive in SS. Do you take money out monthly? Quarterly? BiWeekly? What helped you decide that? I am leaning toward Bi...
Nationwide, hospitals and other providers are leaving private Medicare Advantage plans, putting thousands of seniors at risk of higher costs and of losing trusted doctors.
I have been toying/hoping to retire in March 2027. My goal has been on my 30th anniversary at my current job. I do have a pension that I could have been taking but I was thinking about it like Social ...
Returns still matter, but lasting performance is increasingly defined by how well a plan protects against volatility while preserving flexibility and your legacy.
In this episode, Roger Whitney breaks down essential elements you need to consider before and during retirement. From understanding inflation risks to strategic asset reallocation, this episode offers...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether a popular early retirement strategy could actually blow up your financial plan, today on Your Money, Your Wealth® podcast number 577. Red...
Too rich for basic financial advice but not rich enough for private client services? What's the best way to plug the "middle wealthy" retirement planning gap?
Hiro Finance is shut down. Discover the best Hiro alternative. Compare budgeting apps, other calculators, and a much more powerful AI tool. The post Hiro Finance Is Shutting Down: Here’s the Best Alte...
Trump administration is considering auto-enrollment for Medicare enrollees in Medicare Advantage. This suggests a preference for the program over traditional Medicare.
From "tax traps" to "safety deposit box blunders," discover the 10 most common mistakes people make when planning their estate.
Yesterday was my last day of work. I just turned 61 on Easter. I have a full NYS retirement pension after working 30 years in public service. This feels weird. I am in the process of moving to be a bi...
We’ve all read the research about the “Go-go, slow-go and no-go” periods of retirement and decreased real-dollar spending as we age, but contrary to observed research, most decumulation strategies tod...
This post is a follow-up to our post of July 2, 2025. In that post, we talked about the possibility of future Social Security benefit cuts and how you can use the Actuarial Financial Planner to estima...
In anticipation of, and the initial years of, retirement, we're working through a list that was in part put together with the help of this board! We're currently doing some kitchen upgrades. One of th...
This is my first post in this group, so if this is out of place or out of line, I'm happy to remove it. I never had a plan for retirement, just, sock money away in a Vanguard account and hope for the ...
You'll most likely need long-term care as you age. Not planning for it puts your assets and your family's peace of mind at risk. Here's how to tackle the beast.
Planning to live to 95? Why your retirement strategy needs a 'healthspan' reset.
[Long] This might be one of those “Shut up, good problem to have” things, but I honestly don’t have a grip on it. I’ve been retired for 2.5 years and in 6 months, I’ll claim Social Security when I hit...
A proposed federal rule aims to clear the way for retirement savings plans to include alternative assets. But it may not be enough to protect employers from lawsuits.
Oil and gas investments can play a lasting role in a diversified portfolio, but be sure to consider how they fit into your broader strategy and estate plan.
Most people skip retirement planning strategies with the highest payoff. Here are 5 of them, including one that’s essentially free money. The post 5 High-Impact Retirement Planning Strategies Most Peo...
Using ChatGPT for retirement planning? We asked ChatGPT and Boldin AI the same question: “Can I retire?” This is how they replied. The post ChatGPT for Retirement Planning: Does It Work? appeared firs...
Instead of seeing retirement planning as a game of optimizing returns, try to view it as building a plan that keeps your family steady when life punches first.
In this episode of the Retirement Answer Man, Roger Whitney explores the critical decision of when to claim Social Security benefits, weighing the pros and cons of taking them early versus delaying. T...
When I think about the start of spring, I think about spending the Easter holiday with my family, the colors returning to our green spaces, a little more sunshine, and maybe a shower or two. Hail the ...
There’s a lot of increased attention about adding private markets investments to 401(k) plans in the wake of President Trump’s 2025 Executive Order on alternatives, and participants are starting to ta...
Spring is here, but so are the bills. From HVAC tune-ups to surging travel costs, here are 6 hidden expenses retirees must plan for in 2026.
Including your housing wealth in your retirement plan can lead to higher lifetime income and a larger legacy than a plan based on selling the home for the cash.
Kathleen Grasmeder of Morgan Stanley emphasizes planning, education and team culture, but relies on equities to stay ahead of inflation.
As federal workers move into private-sector jobs, bigger paychecks may come with retirement tradeoffs. What happens to your public plan, and future 401(k) savings could shape long-term financial secur...
As a parent to two young children, I am a target client for universities everywhere. So far, I have saved over $800,000 in two 529 plans to pay for universities in 9 to 12 years. I know we need to pay...
First of all, I was very happy to find this subReddit last year, it has been a very helpful and comforting place as I planned (and re-planned) my own retirement. My last day will be end of June, I tol...
Capital gains tax can cost more than you expect when investment profits stack on top of ordinary income. Here’s how to plan around it. The post Capital Gains Tax Brackets: How Income Pushes Your Rate ...
Replace magic with the hard work it takes to analyze your needs and resources in retirement.
A listener asks about a spendthrift trust for his adult "airhead" granddaughter. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through thei...
More people are using AI tools every day to ask questions, solve problems, and even talk through personal decisions. But many users make one dangerous assumption: that their conversations are complete...
Advances in predictive medicine are starting to raise a fascinating question: what if we could estimate our longevity with much greater accuracy? New blood tests and biomarkers are being developed tha...
We asked a wealth planner if borrowing from a 401(k) will throw a retirement plan off course. The answer may surprise you.
Brigadier General Michael Meese details the critical decisions military families must make before retirement. Transitioning into retirement is a major life change for anyone. But for military families...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how to build your own retirement AND support your kids financially, today on Your Money, Your Wealth® podcast number 575. "Lloyd and Diane" in Mo...
Explore how meaningful travel experiences, storytelling, and thoughtful planning can enhance your retirement journey. In this episode, Roger answers listener questions on managing retirement accounts,...
Most people think retirement begins the day they turn in their notice. In reality, retirement begins much earlier than that. It begins the moment you stop depending on your employer for everything. In...
“Only live off the dividends. Never touch the principal.” It sounds responsible. It feels safe. It may be one of the riskiest retirement strategies out there. In this episode, James breaks down why bu...
Everyone thinks retirement is a permanent vacation. For the first few months, it might feel that way. Then something shifts. The novelty fades. Tuesdays start to feel like Saturdays. The structure tha...
"Your Retirement Sketchbook" focuses on the hardest part of retirement planning — figuring out what your retirement life will look like.
The Labor Dept. proposed a change that would make it easier for workplace retirement plans to include alternative investments like private credit and crypto.