Retirement Planning
All things retirement planning—saving, investing, taxes, Social Security, and withdrawal strategies—so you can retire with clarity and confidence.
The IRA Inheritance Nightmare: How the 10-Year Rule Is Destroying Family Wealth
The SECURE Act's 10-year rule is forcing inherited IRA beneficiaries into higher tax brackets, destroying family wealth that took decades to build.
The Geographic Arbitrage Secret: How Moving 300 Miles Can Add 10 Years to Your Retirement
Strategic relocation during retirement can stretch your savings further than any investment strategy, potentially adding years to your retirement timeline.
The HSA Retirement Hack: Why Your Health Savings Account Beats a 401(k) After Age 65
Your Health Savings Account might be the most powerful retirement tool you're ignoring—here's how it beats a 401(k) after age 65.
The Retirement Income Mirage: Why Your $1 Million Could Only Last 12 Years
A $1 million retirement portfolio can be depleted in just 12 years due to sequence-of-returns risk — the timing of when market crashes occur relative to your retirement.
The Hidden Healthcare Tax That's Eating 40% of Your Retirement Income
Healthcare costs now consume up to 40% of retirement income for many retirees, but most retirement plans ignore this growing threat to financial security.
The Roth IRA Conversion Tax Time Bomb: Why 2025 Could Be Your Last Chance
The Tax Cuts and Jobs Act expires in 2025, potentially pushing tax rates 2-4% higher. Smart retirees are converting traditional IRAs to Roth accounts now before it's too late.
The Forgotten 401(k) Goldmine: How Job-Hopping Americans Are Leaving $1.65 Trillion on the Table
Americans have abandoned $1.65 trillion in old 401(k) accounts from previous jobs, paying unnecessary fees that can cost tens of thousands over time. Here's how to find your forgotten money and consolidate it strategically.
The $50,000 Social Security Mistake: Why Claiming at 62 Could Cost You a Fortune
Claiming Social Security at 62 instead of waiting until full retirement age can cost you $50,000+ over your lifetime. Here's the math that might change your mind.
The 4% Rule Is Dead: Why You Need 27% More Than You Think to Retire
New research shows the famous 4% withdrawal rule is dangerously outdated, requiring retirees to save 27% more than previously thought to avoid running out of money.
Why Your 401(k) Might Sabotage Your Medicare Premiums (And What to Do About It)
High retirement account balances can trigger IRMAA surcharges that increase Medicare premiums by hundreds of dollars monthly. Strategic Roth conversions and tax planning can help you avoid this costly trap.
Why Converting Your 401(k) to a Roth IRA at 59½ Could Cost You Thousands
Converting your 401(k) to a Roth IRA at 59½ might seem smart, but waiting until early retirement often saves thousands in taxes by taking advantage of lower tax brackets.