Financial Planning Blog & Retirement Resources

Poor financial decision making costs more than money. Learn to slow down, cut bias, and choose with a clear plan.

Research supports the idea that money does buy happiness. Here’s how spending choices matter as much as how much you save.

Every debt payoff plan runs into the same fork: pay off debt or save for retirement first? It shows up late at night after a strong month, when there’s finally money to spare and no clear answer for which pile it belongs to. Most advice treats that moment like a moral test, one where paying […]

Ask Boldin AI about your plan, or tell it what changed to keep your plan current. You approve every update the AI makes before it’s applied.

The average 401(k) millionaire hits that mark around 59. See the moves that build wealth fastest after 50.

U.S. annuity sales hit $464 billion in 2025 and are still climbing in 2026. Here’s what’s driving the surge.

A market drop in your first retirement years can cost tens of thousands, even with the same average return. See why, backed by FINRA research.

Test your financial skills with this 10-question CFPB self-test and see how your score compares to the national average of 50.

Boldin surveyed 1,331 retirement savers and found 89% budget for travel costs, versus 58% of other affluent adults. See what the data shows about why.

Federal Reserve, JPMorgan, and Boldin’s own planning data point to the same story for millionaire retirement spending. Here’s the math.

For a couple, Fidelity’s 2026 estimate climbs to $371,000. Here’s how costs break down, and what could make your own retirement different.

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.

Gray divorce makes up 36% of U.S. divorces, up from 9% in 1990. See the pros and cons of divorce after 50, and how to protect your 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.

Home equity is becoming a bigger piece of retirement plans as costs rise. See what’s driving the shift and the tradeoffs worth weighing first.

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.

Financial advisors charge in various ways, from flat fees to a percentage of your assets. See typical ranges for each, plus what Boldin costs.

Healthcare in retirement covers three phases, and a decision in one can raise what you pay in another. Here’s how to budget for each one.