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The secret to helping ensure a secure retirement is to create a coordinated strategy for how you'll manage your withdrawals, taxes and healthcare expenses.
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The 30-year retirement rule is outdated. Is your tax strategy ready for what comes next?
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 critique the popular investment strategy known as Risk Parity, noting that it is filled with misconceptions and inefficiencies. The author argues that recent performance has been disappointing, espe...
Here's a framework for judging popular tax strategies by their effort-adjusted return to help determine if a tax strategy is right for you. The post Which Tax Strategies Are Actually Worth Your Time? ...
Retirement investing is all about discipline. Pick a strategy that’s optimized for maximum returns and lowest cost, then deploy it, and let time compound your wealth. Many DIY investors choose a passi...
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...
When looking for a contractor or a financial adviser, hiring based only on price is risky. These questions will help you find the right person for the job.
IBR and RAP are both federal student loan repayment plans. The quick answer is that for most physicians with a ... Read more
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 ...
Does your retirement plan account for increasing healthcare costs and longevity? It's time to stop focusing on market returns and take a more complete approach.
The S&P 500 has been a portfolio staple for generations. But how should an index ETF actually fit into your retirement strategy? Here is what experts say.
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...
By focusing on a "preservation mindset" that balances reliable income, smart tax planning and market protection, you can build a financial strategy to help your money last as long as you do.
Planning for retirement can feel overwhelming, especially as you approach the transition from earning a paycheck to relying on your savings. The early phase of retirement brings unique challenges, and...
I've sat with 100 retirees, and the biggest regret almost never has anything to do with a bad investment. It's something I call the momentum trap. At 62, every single signal tells you to keep going, a...
Market downturns don't just trigger a dip in your account balance — they test your emotional resolve. Having a well-built strategy can help you stay the course.
Keen on Retirement listener "Joe" is 51 and his wife is 60. They are thinking about an early retirement before either of them turns 65. Joe wrote in asking about the best strategy for coordinating Soc...
This Roth retirement savings strategy allows high earners to sock away up to $72,000 a year — if their workplace plan permits it.
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...
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Today on Your Money, Your Wealth® podcast 590, Joe Anderson, CFP® and Big Al Clopine, CPA spitball for...
As retirement approaches, you need to shift focus from simply saving money to creating a plan for reliable retirement income while also protecting your wealth.
You can hit your number, be fully financially ready, hand in your notice, and still end up miserable. Or worse, running out of money. In 15 years as a retirement advisor, I've watched it happen again ...
I’ve been with my advisor for about 8 years. I’m 61 and retiring at the end of July (in 3 weeks). The last several calls/virtual meetings with my advisor have gone a little too fast for me. I feel lik...
This podcast episode discusses the Rule of 55 retirement strategy, as well as listener questions about the risks of linking financial accounts to budgeting apps like YNAB, strategies for optimizing Tr...
I started investing in dividend-paying blue chip stocks in 1995 when my uncle gave me a share of Chevron stock. He told me that if I keep buying more shares and reinvesting the dividends into addition...
Recent events have reminded me of the old adage: "when it rains, it pours." Car died, landscaping bills due, dishwasher died, chair died. On and on, actually, in the space of a couple of months. My re...
This week Roger talks about one of the biggest challenges retirees face today: information overload. He explains why more information doesn't always lead to better decisions and why building a great r...
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC The margin loan debate continues today on Your Money, Your Wealth® podcast number 589. Jack and Jill r...
Preventive health spending is a type of risk management that can lower future costs while protecting your health and your money. Here's how it works.
David Conti has spent decades writing about retirement, Social Security, Medicare, and personal finance. After helping others prepare for retirement throughout his career—including his time at Fidelit...
Everyone — not just corporate executives — should map out their finances, tax strategy and healthcare needs to be ready for retirement on their own terms.
Understand how projected Social Security funding shortfalls could affect your claiming strategy, potential benefit cuts and the best age to file based on your situation.
It's worth a long, frank discussion with your parents and any other potential heirs to figure out the best way to increase family wealth. The post Working with Your Parents to Get Richer appeared firs...
Wife and I are retired and trying to decide on SS timing. I'm 61, she's 64. Using open social security, it shows that the best strategy is her now (probably passed the window already) and me at 70. Th...
Learn how Net Unrealized Appreciation (NUA) may reduce taxes on employer stock held in a 401(k) and when this often-overlooked retirement strategy may apply.
Six Essential Tips for Any IRS Letter Before diving into the specifics of the five most common letters, we share six universal tips to ground your response: Don't Panic – IRS notices are routine, and ...
You'd assume retiring with $10 million is a hundred times better than retiring with $100,000. It isn't. And the reason is stranger than you'd think. Because the size of your portfolio barely tells you...
The 60/40 split could leave substantial portfolios exposed if stocks and bonds decline simultaneously. Accredited investors must take a new approach.
Rather than fixating on a savings goal, pre-retirees should focus on building an income strategy that accounts for actual expenses and can adapt to changes.
Qualified charitable distributions are the best way for those 70 1/2 and older to donate. But people often do not maximize the benefits or fall into some traps.
We have recently received inquiries as to how to use Copilot to implement the Actuarial Approach. Copilot can use different data sources to provide reasonable results, but we recommend that you provid...
Thanks to sequence of returns risk, the investing strategy that helped you accumulate a healthy sum for your retirement can work against you once you quit work.
Claiming Social Security early might seem counterintuitive for the ultrawealthy, but one advisor says that when the benefits are used to fund life insurance in an irrevocable trust, the strategy could...
Many retirees are surprised to learn that Medicare isn't always a fixed cost. If your income exceeds certain thresholds, Medicare can charge significantly higher premiums through a little-known rule c...
There are 10 things sitting in your life right now that are quietly draining your retirement. Most people never notice them. This isn't the usual save more, buy more advice. After 15 years of helping ...
Long-term care insurance can help offset one of the biggest financial blind spots in retirement. But timing and strategy are everything.
This week, a simple quote about wasting time sparks a deeper conversation about why retirement isn't meant to be endlessly optimized. In the Retirement Toolbox, we compare mutual funds and ETFs, explo...