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.
Financial Planning Blog & Retirement Resources
Housing and Home Equity
Average Home Equity: If You Are Middle or Lower Class, Wealth is in Your Home
Average home equity is $310,000 in 2026, but mostly sits untapped. See how it breaks down by state and income, and how to put yours to work.
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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.
Retirement Planning
Are You Saving Too Much for Retirement?
Under-saving is a math problem you can still fix. Over-saving can cost years you won’t get back. Here’s how to tell which one you’re doing.
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.
Financial Wellness
How to Deal With Financial Stress: 10 Ways to Worry Less About Money
Specific, research-backed ways to help you deal with financial stress and money worries. Start building real confidence today.
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.
Family and Relationships
Divorce After 50: Pros, Cons, & Financial Impact of ‘Gray Divorce’
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.
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.
Financial Advisors
Financial Advisor Fees: What Each Pricing Model Costs
Financial advisors charge in various ways, from flat fees to a percentage of your assets. See typical ranges for each, plus what Boldin costs.
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.
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