Retirement Planning
See Your Total Asset Allocation Across All Accounts in One View
How to sort your holdings into 8 asset classes, spot concentration risk, check against your risk profile, and catch drift or cash drag early.
Financial Planning Blog & Retirement Resources
Debt
77% of Americans Say Debt Is Blocking Their Retirement Savings
A National Institute on Retirement Security survey finds debt is keeping most Americans from saving, and few know what their money will earn.
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Planning
The Future of Financial Advice Isn’t More Advisors
Vanguard just paid billions for Altruist to scale advisors. Boldin’s CEO argues the bigger opportunity is scaling what you can do yourself.
Retirement Income
What $250,000, $500,000, and $750,000 Pay You in Retirement Income
Social Security figures and 2026 withdrawal rate research show what three common retirement portfolios can generate in monthly income.
Social Security
Average Social Security Check by Age: 2026 SSA Data
See how your Social Security check compares to retirees your age, using the SSA’s newest 2026 data, and what the average leaves out.
Debt
Pay Off Debt or Save for Retirement? How to Model Your Plan
Debt advice often stops at interest saved, but you can see whether paying off debt faster changes your retirement date using planning tools.
Annuities
Annuity Sales Hit a Record High in 2026. Is One Right for You?
U.S. annuity sales hit $464 billion in 2025 and are still climbing in 2026. Here’s what’s driving the surge.
Financial Wellness
Financial Skills Self-Test: Can You Top the National Average?
Test your financial skills with this 10-question CFPB self-test and see how your score compares to the national average of 50.
Lifestyle
Retirement Travel Survey: Financially Confident Retirees Worry About Time, Not Money
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.
Budgeting & Spending
Millionaire Retirees Spend $70,000 to $120,000 a Year. Here’s Why.
Federal Reserve, JPMorgan, and Boldin’s own planning data point to the same story for millionaire retirement spending. Here’s the math.
Medicare and Health Insurance
Retirement Healthcare Now Costs $185,500 on Average. Here’s What’s Included.
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.
Retirement Savings and Investments
Is the Magic Number for Retirement $1.2 Million or $1.46 Million?
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.
Medicare and Health Insurance
Backdoor Roth, Mega Backdoor Roth & Your IRMAA/ACA Costs
Two CFP® professionals answer real questions on Roth conversion timing, the pro rata rule, and avoiding surprise Medicare or ACA costs.
Retirement Savings and Investments
84% of Retirees Take Only the RMD Minimum. Here’s When That’s Smart.
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.
Retirement Savings and Investments
Average IRA Balance by Age in 2026: How Do You Compare?
See average IRA balances by age for 2026, based on IRS tax data covering 71 million account holders, plus what the averages leave out.
Housing and Home Equity
Americans Are Rethinking the Role of Home Equity in Retirement
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.
Retirement Savings and Investments
A Trump Account Can Leave Your Kid With Less Than a Brokerage Account
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.
Medicare and Health Insurance
How to Plan for Healthcare Costs in Retirement
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.
Retirement Planning
Erin Talks Money: What She Wants Retirees to Know
Erin Moriarity shares her take on Social Security timing, building a retirement income floor, and when to stop going DIY and hire a CFP.
Retirement Savings and Investments
Baby Boomer Wealth: How the Wealthiest Generation Stacks Up
Boomers hold half of all U.S. household wealth. Here’s who got ahead, how, and whether $432,200 is enough to retire on.
Podcast
Podcast 111: Why We Don’t Do What We Know We Should, with Nir Eyal
Nir Eyal, author of Beyond Belief and Indistractable, joins Boldin’s podcast to explain why limiting beliefs stall financial progress.
Retirement Savings and Investments
Average 401(k) Balance by Age in 2026: How Do You Compare?
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.
Family and Relationships
If Your Kids Inherited Only Your Financial Habits, Would They Become Wealthier?
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.
Financial Wellness
How Your Money Beliefs Shape Your Financial Future
The beliefs you carry about money help determine what you do with it. Here’s why your biggest financial obstacle isn’t a number.
Retirement Planning
Financial Literacy in America Hits a Record Low in 2026
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.
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