A retirement portfolio is a collection of investments that are held in a retirement account, such as a 401(k) or Individual Retirement Account (IRA). The purpose of a retirement portfolio is to help you save and grow your money for retirement, while also taking into account your risk tolerance and investment goals.
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While conventional wisdom views a career as a stable bond, human capital carries unique risks, so a client's job shouldn't always be treated as a safe asset.
Equities have begun to show some vulnerability. Do you need more bonds and alternatives in your retirement portfolio?
Tech giants are borrowing heavily to fund the AI boom. Here is what older investors must do if those debts trigger a market crash.
September 28, 2026 – Welcome to a new installment in the Safe Withdrawal Rate Series. You can find the series landing page here. Today’s topic is the new portfolio allocation recommended by Bill Benge...
Building a "war chest" of short-term Treasuries before you stop working can help protect your portfolio if there's a market downturn early on in your retirement.
Inheriting a portfolio isn't as straightforward as it may seem. Taxes, missed IRA deadlines and high fees can impact how much you'll actually receive.
Inheriting a stock portfolio comes with big decisions. Before making any sudden moves, ask yourself and your adviser these questions to protect your wealth.
Managing your emotions during market volatility is crucial for maintaining a stable portfolio. Now is a good time to check in on your risk tolerance.
Shifting away from stocks reduces risk, but as this week's Wealth Wise column explains, you still need to beat inflation. Here's how to balance safety and peace of mind.
Your retirement plan may be financially watertight, but if you don't have a reason to get out of bed every morning, all that effort could go to waste.
You may own hundreds of stocks, but that doesn't necessarily mean you're diversified. Discover where concentration risk is really hiding and what you can do about it. In this episode, you'll learn: Wh...
A securities-based line of credit can provide access to cash without requiring you to sell eligible investments. These are the opportunities and risks.
Investors might want to add "buffered" strategies like registered index-linked annuities (RILAs) to their investing toolkit to balance downside risk.
Housing affordability is at a crisis low. You've read that headline a hundred times. Either incomes rise or home prices crash to get back to pre-COVID levels. That's true if you measure a home in doll...
Unless you recognize where your motivation for building wealth comes from, it's unlikely to lead to lasting happiness. Here's what to do about that.
In this episode, Laura Stover, RFC® and Michael Wallin, CFP®, discuss the concept of a cookie-cutter retirement portfolio and its implications for retirees. They start by addressing the recent news of...
A year like 2022 doesn't come around too often but those significant market corrections we saw in both equities and bonds made many people begin to wonder about the effectiveness of the traditional 60...
Been reading around the net on this subject, and I've been alarmed at the number of retirees with a large percentage of their net worth in equities. Concerned because a prolonged bear market could rea...
Generous pensions can act as a safety net, but concentration risk and healthcare gaps still loom large for retirees. This week's Wealth Wise advice column breaks it down.
The math behind the 60/40 split has changed, while options for investors have increased. Why not broaden your portfolio to move with the times?
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.
This week Roger explains why rebalancing is one of the most important disciplines in retirement planning. In the Retirement Toolkit, he explores the difference between a traditional investment allocat...
Annuities can help you feel confident to enjoy a financially secure, healthy, and happy retirement.
Total market bond funds aren't inherently safe investments. What investors and their advisers need to consider before adding them to a healthy portfolio.
Is your portfolio as well built and diversified as you think? If you're worried it won't help keep you safe in retirement, it could be time to renovate.
Europe's deadly heat wave and dangerous U.S. temperatures reveal a new retirement risk and question: whether the place you call home is prepared to support a longer life?
This podcast episode talks with Jeromey Thornton about the evidence behind factor investing, how Avantis Investors approaches portfolio construction, and what sets the firm apart from other fund provi...
You can help protect your retirement by focusing on the one factor you can control — the unexpected costs of investing. Here's what to consider.
If your portfolio's on a roll and you're nearing retirement, it may feel like you're all set. But you might be more at risk of a market downturn than you think.
Most people assume retirement taxes are based on how much they withdraw. The real problem is what the IRS eventually forces them to withdraw. In this episode, James walks through what taxes can actual...
The first quarter of 2026 brought a whirlwind of market events—geopolitical shocks, surging energy prices, and a notable shift away from mega-cap US growth stocks. Despite the turbulence, the markets ...
As "blue zone" lifestyles and AI medical tech push human life expectancy over the century mark, retirement planners must ensure that "wealth spans" keep pace.
I took a deep dive into what actually builds retirement confidence. The answers had less to do with the amount saved than I expected.
Roger Whitney breaks down how to create a diversified portfolio by explaining the core principles of diversification and asset allocation, then answers listener questions on topics like using allocati...
We just retired at 67 with $4.1 million. My husband wants to keep 50% of our investments in stocks. I say it's not worth the risk. Who's right?
“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...
Portfolios limited to public equities capture a smaller slice of corporate growth, so investors are making room for private investments in their 401(k)s.
Clients may ask if a flat fee is better than a percentage of assets under management, but the real question is whether fees reflect the value of your services.
This retirement planning approach simplifies your decisions, improves your tax efficiency and provides you with peace of mind. This is how it works.
When I retired in 2018, I implemented the Bucket Strategy. What would have happened if I had used the 60/40 Portfolio instead? I decided to find out. For today’s post, […] The post The 60/40 Portfolio...
In the run-up to retirement, your asset allocation needs to match your risk tolerance without eliminating potential for growth. Here's how to find the right mix.
Income from your pension, savings and Social Security could provide the protection bonds usually offer, freeing you up for a more growth-oriented allocation.
Our 14%+ portfolio returns certainly went a long way toward the 24% increase in net worth we enjoyed in 2025. Here's how it happened. The post How Our Portfolio Performed in 2025 (Including Real Estat...
Another year of retirement over, and what a year it’s been! 2025 started off with US president Donald Trump’s return to power, and by April he had started a full-blown trade war with every trading par...
How do I turn my savings into a steady paycheck that lasts the rest of my life?There are a few ways to approach this challenge, but one of the most popular, and surprisingly flexible, is called the sy...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, today on Your Money, Your Wealth® podcast numb...
I recorded a new YouTube video this week about the various benefits of a simplified retirement portfolio and how to get there (I’ll share when it’s live). Most of us — myself certain...
Think your retirement’s safer with a little gold, a favorite stock, and a home full of equity? Time for a reality check. In this episode, we put three “sacred” retirement assets to t...
Answering listener questions about asset location, TIPs (when and if you should use them), and whether it is too risky to have a 100% stock portfolio. The post Building a Balanced Portfolio with Asset...
Plenty of DIY investors try to figure out how to fit all assets into their portfolio. Newsflash! Not everything goes into your portfolio. The post Not Everything Goes into Your Portfolio appeared firs...