Retirement Planning
Retirement Planning Articles
The Withdrawal You Can’t Skip: Required Minimum Distributions, Explained
Learn when required minimum distributions start, how to figure your RMD, what happens if you miss one and…
Medicare for Age-Gap Couples: How to Cover the Younger Spouse
When spouses reach Medicare at different times, one may need years of separate coverage. Learn how to coordinate…
What Happens to Your Portfolio When One Spouse Dies?
Learn how a spouse’s death can change portfolio withdrawals, inherited accounts, taxes, cost basis, Social Security, pensions and…
How to Rebalance a Retirement Portfolio Without Creating a Tax Problem
Rebalance your retirement portfolio with cash flows, retirement-account trades and careful tax-lot sales while avoiding common tax mistakes.
The Affordable Care Act Before Medicare: A Complete Guide for Early Retirees
The ACA Marketplace can bridge the years to Medicare. Learn how 2026 subsidies, plan levels, doctor networks, prescriptions…
How to Retire Before 65 Without Losing Sleep Over Health Insurance
Health insurance can make early retirement feel impossible. Learn how ACA Marketplace subsidies work, which retirement withdrawals count…
How to Choose a Financial Advisor for Retirement
Flat fee, assets under management, hourly or commission? Learn how financial advisors get paid, what fiduciary really means…
How to Create a Weekly Routine After Retirement
A good retirement routine gives your week shape without filling every hour. Use five planning areas, three weekly…
Why Some People Feel Lost After Retiring
Retirement can remove structure, identity, social contact and accomplishment at the same time. Learn why feeling lost can…
The Roth Conversion Window Between Retirement and RMDs
The years between retirement and required minimum distributions can create a valuable tax-planning opportunity. Learn how partial Roth…
Morningstar’s 3.9% Safe Withdrawal Rate: What the Latest Research Means
Morningstar’s latest retirement-income research estimates a 3.9% starting safe withdrawal rate for a new retiree seeking steady, inflation-adjusted…
How to Convert Pretax Retirement Accounts to Roth: A Step-by-Step Guide
A Roth conversion can create future tax flexibility, but it also creates taxable income now. Follow the paperwork,…
How Much Should I Have Saved for Retirement at 30, 40, 50 and 60?
One common retirement checkpoint suggests saving 1× your income by 30, 3× by 40, 6× by 50 and…
Can You Spend More in Retirement? How Guyton-Klinger Guardrails Work
Guyton-Klinger guardrails let retirement spending rise when a portfolio moves ahead and require a cut when withdrawals strain…