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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The new tax bill presents a good opportunity for retirees to revisit tax plans, look into doing some Roth conversions and consider plans for long-term care....
Not to paraphrase The Clash.... But, I had been planning to retire in January 2026 with a modest pension, SS @ age 65, and draw down assets at a target rate of 3%, and max out my 401K this year. But, ...
Preview some of the changes coming to Medicare Part D Drug Plans in 2026....
My wife died last week. We spent 15 years planning our ideal retirement, started to implement 3 years ago by snowbirding/winding down work to a part time schedule. And we fully committed to retirement...
At Mayflower Advisors, Lawrence Glazer and his 30-person team focus on capital preservation, multigenerational planning and community education....
SHOW NOTES In this episode, Roger Whitney sits down with Carl Richards, a financial advisor-turned-artist, to talk about keeping retirement planning simple and meaningful. They dive into the idea of &...
While Trump Accounts offer some benefits for early savings, investment advisers need to be cautious when recommending alternatives like 529 plans or Roth IRAs, as those suggestions could create fiduci...
Explore how Qualified Charitable Distributions (QCDs) help meet IRA requirements, cut taxes, and maximize the impact of year-end charitable giving....
Tips and tricks on building a successful niche. This week, Eric Franklin of Prospero Wealth on financial planning for tech executives and how he reverse engineered a customized clientele....
Even with the money to retire early, FIRE clients often face unexpected challenges. Advisors say mindset — more than finances — is often the real hurdle....
While you are still working, use your time to develop a vision, make a plan, integrate rituals, and continue to learn and grow....
G.K. Chesterton's century-old wisdom meets modern behavioral economics. Why the best financial planning embraces mystery instead of endless optimization....
Choosing your Medigap plan for supplemental insurance can be a complex, confusing, and costly process. Here's how to tackle the decision....
If the assumptions used in your retirement decumulation plan (including the important assumptions that the assets you plan to receive, and the expenses you expect to incur in the future) are exactly r...
There is a lot to do as you near retirement. And, it goes beyond creating a robust financial plan. Money is only part of the equation. The post The Nearing Retirement Checklist: 19 Things You Need to ...
Earlier this month, citing the economic slowdown and tariffs, Sherwin-Williams announced that it was suspending 401(k) matches to employees. Here’s what you need to know....
Four of the One Big Beautiful Bill's changes could impact your retirement, so it's smart to review your financial plans to see if these strategies would help you get the most out of the new provisions...
New Fidelity research shows a surge in plan sponsors offering financial wellness programs that could overlap with traditional advisor services, raising questions about future roles....
The financial professionals who contribute to Kiplinger's Adviser Intel recently wrote about the financial implications of gray divorce, a positive mindset for retirement planning and a widow's annulm...
Planning for retirement isn't just about hitting your savings targets and hoping for the best. It's about getting creative, asking new questions, and challenging your own assumptions. We follow the re...
Wendy and Joe in Colorado ran the numbers, and their financial planning software says they'll have over $10 million when they pass. Wendy's wondering if they should continue converting to Roth while w...
As like most aspects of life, there are many uncontrollable elements to retirement planning. All to often, many people stay preoccupied with things they can't control and inadvertently ignore things t...
Most grocery advice feels like homework. Clipping coupons, building a meal plan, tracking spending in spreadsheets. Ugh. It’s no wonder ... Read more...
I know way too many people who are retiring FROM something rather than retiring TO something. Or that's what they did already and now they're struggling a little bit emotionally or mentally. The chara...
Optimism like that of the fictional soccer coach can surprisingly improve your retirement planning by encouraging better saving habits and a more positive outlook on your financial future....
Saving for retirement isn't what it used to be. The deck is stacked against Gen Z in some crucial ways. The system is broken, and we need to fix it....
Financial planning’s most famous guideline just got an upgrade. In this exclusive interview, James speaks with Bill Bengen—the MIT-trained engineer turned financial advisor who created the...
A financial plan should be a detailed road map to a worry-free retirement. Watch out: If your plan has these common holes, you could be headed for a dead end....
While tax cuts sound attractive, it's still wise to plan ahead for retirement by considering strategies like Roth conversions to offset potential tax increases in the future and stealth taxes that cou...
The 4% rule is now the 4.7% rule, but safe withdrawal rates are no substitute for a holistic retirement plan. The post A Richer Retirement: Why William Bengen Now Advocates for a 4.7% Rule, Not 4% app...
Learn how to keep more of your retirement income through tax planning in step 3 of the 5 step retirement plan....
Explore how private equity in 401(k) plans boosts returns, income, and diversification with new guidance and innovative solutions....
We ask financial experts for advice....
Hello, new friends: A good friend is retiring next year and I'd like to start gifting her things she can use in retirement. (I am over 50 but will be retiring after 65). While I'm familiar with her cu...
Americans consider their digital assets as very valuable but few are caring for these assets in their digital estate planning....
Choosing a beneficiary for your 401(k), insurance policy or similar assets is crucial for estate planning. Here is how to do it, and six pitfalls to avoid....
A J.D. Power survey ranks retirement planning apps based on customer service and satisfaction. Does your financial app make the cut?...
Retirement planning is often framed as a numbers game where you can get lost in focusing on maximizing your 401(k), minimizing taxes, and chasing investment returns. But financial security alone doesn...
We ask financial experts for advice....
Retirement paves the way for a world of exciting (and intimidating) experiences. An overseas journey can be an ideal way to embrace this new phase of life....
A vast majority of plan sponsors say that actively managed funds can beat the market, according to a new BlackRock survey. Research suggests otherwise....
What can ancient wisdom teach us about modern retirement? From budgeting with freedom to preparing for life’s surprises, tackling debt, planning wisely, and redefining generosity in retirement, ...
In this week's Ask the Editor Q&A, we answer four questions from readers on transferring 529 plan money to a Roth IRA....
Retirement can feel far-off, or too close for comfort, depending on where you’re at. But one thing’s clear — now is the ideal time to get your retirement plan in order....
The history of recent market downturns, lessons to be learned, and how to apply those lessons to your future plans. The post A Look Back at Market Downturns: What History Can Teach Your Retirement Pla...
Explore the role potential market risks play in planning your future, other risks, and how flexible sources of funding can protect your future. The post How Important Is It to Anticipate Potential Mar...
Learn how to maximize your Social Security and pension benefits in your retirement income plan....
Planning for your child’s college education can feel overwhelming, especially when faced with skyrocketing tuition costs and countless savings options. This week on the show, we’re discuss...
Married couple "Mark" (62) and "Lisa" (60) want to retire together in the next year. They shared their financial plan and their goals with two financial advisors. One advisor said they could retire. T...
As retirement plan rules continue to evolve, one area drawing attention is the inclusion of alternative assets in 401(k) plans. In early August 2025, the White House released an executive order that h...