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My husband and I are retired at 60/61. We are trying to bridge the gap between today and Medicare. Today I developed a plan to take a large withdrawal this year and limit income over the next three ye...
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Today on Your Money, Your Wealth® podcast 598, Joe Anderson, CFP® and Big Al Clopine, CPA spitball ear...
An HSA for retirement may help cover future healthcare costs while providing 3 tax advantages: pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. Common H...
Two people, same age, same savings, same expenses. One files for Social Security at 62. The other waits until 70. Everyone knows the one who waits gets a bigger check. Almost nobody looks at what's ha...
For the better part of this year I've been trying to assess when I'll be able to afford to retire. I've been playing with Boldin, Projection Lab, my own overly complicated spreadsheets, Fidelity's pla...
Social Security figures and 2026 withdrawal rate research show what three common retirement portfolios can generate in monthly income. The post What $250,000, $500,000, and $750,000 Pay You in Retirem...
Answering listener questions about 529 plans, including how much to save, tax-free growth, withdrawals, Roth IRA rollovers, and what to do with an overfunded account. The post What Doctors Need to Kno...
As clients consider when to claim Social Security, an advisor proposed a strategy to maximize tax-free retirement income using certain benefits and senior deductions.
A financial plan is designed to adapt to life changes, not market changes, helping with how assets are distributed and how withdrawals can reduce taxes.
Don't beat yourself up if you've taken a hardship withdrawal from your 401(k). Here's how you can avoid it in the future.
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/9fc86c ======================= Your portfoli...
Maxing out a traditional 401(k) without cash reserves triggers tax spikes and market losses. Here's where and how to save cash for easy retirement withdrawals.
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Today on Your Money, Your Wealth® podcast number 595, Joe Anderson, CFP® and Big Al Clopine, CPA spitb...
Reaching retirement doesn't mean you can put your plan in cruise control because plenty of risks remain. One that all recent retirees are dealing with is the sequence of returns risk. This is an overl...
A declining market will make any retiree uncomfortable, and it could put your future in jeopardy if you haven't thought through your withdrawal strategy. Many retirees struggle to shift their mindset ...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/0ce92d ======================= This is the q...
Learn how Roth conversions work, when they may make sense, and how taxes, RMDs, Medicare premiums and withdrawal rules may affect your retirement plan.
By coordinating withdrawals from retirement accounts to keep your income below certain thresholds, you can save on taxes and benefit from valuable deductions.
New rules could force high-income savers to withdraw "excess" retirement funds. Here is why the bill matters — even if it doesn't pass immediately.
I gave notice to my employer. I am going to stay long enough to help select and transition my replacement, probably 6-10 weeks. This gives me time to ensure I have things buttoned up to be truly retir...
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Today on Your Money, Your Wealth® podcast number 594, Joe Anderson, CFP® and Big Al Clopine, CPA spitb...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/ad021b ======================= I've spent 15...
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 ...
Hi, I am 60yo married looking to retire within the next couple of years. My house is paid off and per Zillow would likely sell for around $1M. I live in Seattle. I had a recent realization that I coul...
An overlooked section lets defined contribution plan participants use funds to pay LTC premiums without early-withdrawal penalties.
Bill Bengen's famous retirement withdrawal rule got an update last year. Here's what changed, and why the number isn't one-size-fits-all.
Not sure which sub to post this on. A little financial planning, a little healthcare but retirees probably are most familiar with this situation. Retired couple 61/60. Cobra about to run out. Looking ...
Retirement planning is often dominated by withdrawal rules, Monte Carlo probabilities, and portfolio‑centric heuristics. But none of these tools directly measure the core financial question every reti...
We asked 15 questions to determine how those who have retired got there. So far, about 140 people have responded. Here's what they said. The post ‘It Felt Awkward to Have More Time and a Slower Pace’:...
July 27, 2026 – Welcome back to a new part of my Safe Withdrawal Rate Series. In my 10-year quest to study safe withdrawal strategies and find ways to hedge or at least alleviate Sequence of Return Ri...
$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 ...
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...
Americans are saving more for retirement than ever before, yet more workers are also tapping their 401(k)s for financial emergencies. According to Vanguard’s How America Saves 2026 report, hardship wi...
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...
I’ve got $ in mostly traditional IRAs I’m 63 looking to start SS at 65. I want to use interest to supplement my monthly income at retirement. What is the best place to do that? It would need to be an ...
We are still working - planning to retire very early next year. I'm at FRA; my husband will be in a couple of months. We are not yet taking SS or Medicare. With our income, we will certainly hit the I...
If you have $2.5 million saved for retirement, your RMDs will change every year. Find out exactly how much you must withdraw at ages 73, 75, 80 and 85.
Many users have told me they aren’t always sure how to enter their assets and spending liabilities into the Actuarial Financial Planner (AFP) Excel workbooks. That’s completely understandable — the ac...
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...
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...
Retirement researchers increasingly recognize that real spending does not remain flat throughout retirement. As Dr. David Blanchett emphasized in his recent Think Advisor article: “Integrating reduced...
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...
I retired last spring at 62. My wife had already stepped back from her job the year before. We had saved, we had a plan, but the number that kept me awake was $1,280. That was the monthly quote for a ...
I'm preparing for RMDs. I normally make a series of charitable contributions, which are at least partially funded by Regular IRA withdrawals. From what I understand, QCDs can be beneficial in the foll...
I ran the KFF calculator for a couple at $84,599 vs $84,601 across nine states. The two-dollar difference ....yikes. I wanted to know what it actually costs a pre-retiree couple to land on the wrong s...
Can anyone help me with this? I've got a pension, and it has an increase every year which is a fixed dollar amount and I can't find a calculator that supports this. So if my pension is $38,000 and my ...
After working for 27 years for the same organization, I found out in late April that my job was being eliminated as of July 1st (a story for another post) I am 64, divorced with two grown children. My...
Here's what you need to know about how to withdraw your RMDs from Vanguard. It's not as difficult as you might think. The post How to Take a Required Minimum Distribution (RMD) at Vanguard appeared fi...