Financial Planning Blog & Retirement Resources

Inheriting money sets off 3 things fast: taxes, timing rules, and decisions people rush into. Here’s what to expect.

Two 2026 surveys put the number at $1.2 million and $1.46 million, $260,000 apart. Here’s why, and how to find your number.

Two CFP® professionals answer real questions on Roth conversion timing, the pro rata rule, and avoiding surprise Medicare or ACA costs.

Wealth means net worth, cash flow, and lifestyle security. See benchmarks by age, generation, and income to put your numbers in context.

J.P. Morgan research found 84% of retirees never draw more than the RMD minimum. Here’s how to tell if that’s the right move for you.

Consumption smoothing is how you keep your standard of living stable across a lifetime of income changes, career shifts, and retirement.

See average IRA balances by age for 2026, based on IRS tax data covering 71 million account holders, plus what the averages leave out.

A home has long meant more to its owners than a place to live. It’s a source of stability, family memory, and long-term security for millions of Americans. But for many of these households, it’s also the single largest financial asset they own. Homeowners want to put this value to use. Boldin, the DIY retirement […]

Planning mistakes add up. Claiming Social Security at 62 alone cuts your benefit by 30% for life. But most can be corrected if caught early.

Beyond the free $1,000, funding a Trump Account can leave your child with less post-tax than a brokerage account, unless you get the Roth conversion right.

Boomers hold half of all U.S. household wealth. Here’s who got ahead, how, and whether $432,200 is enough to retire on.

Erin Moriarity shares her take on Social Security timing, building a retirement income floor, and when to stop going DIY and hire a CFP.

Nir Eyal, author of Beyond Belief and Indistractable, joins Boldin’s podcast to explain why limiting beliefs stall financial progress.

See what Vanguard’s data says the median 401(k) balance is at every age — and why the average number may not represent most savers.

The middle class spans roughly $55,000 to $167,000 nationally. It varies by area, and says less about financial security than most expect.

Your kids are already inheriting your financial habits, whether you know it or not. Here’s why, and how you can be more intentional about it.

Travel is a top retirement goal. Get the most out of it with senior discounts, cheap lodgings, national park passes, and long-trip strategies.

Median retirement savings are $185,000 for ages 55 to 64, dropping to $130,000 at 75+. See 401(k) & IRA balances broken down by age group.

The beliefs you carry about money help determine what you do with it. Here’s why your biggest financial obstacle isn’t a number.

Money dysmorphia is a distorted view of your finances, even when the numbers are fine. Here’s how to spot it and what to do about it.

Only 15% of Americans managed to ace this 8-question financial literacy quiz. Find out which knowledge gaps cost you the most.

Risk comprehension is the weakest financial literacy domain in 2026, and age doesn’t fix it. See why six in 10 Americans struggle with financial decisions.

Social Security benefit cuts are a real risk but not certain. Here’s what projections show, and how to plan your retirement accordingly.

When tuition stops, it frees up $30,000 to $80,000 a year. Most households don’t have a plan for that money. Here’s how to put it to work.