Retirement Planning
Average Retirement Age: Americans Retire Earlier Than Planned
Most U.S. retirees stopped working at 61 or 62, years before workers expect to. See retirement age by source, age, and state, and why plans change.
Financial Planning Blog & Retirement Resources
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.
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Medicare and Health Insurance
Health Insurance for 55 and Older: What It Costs Before 65
Health insurance for 55 and older costs about $1,100 a month at 55 without a subsidy. Compare ACA, COBRA, Medicaid, and other options before 65.
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 $250K, $500K, and $750K Pay in Retirement Income
Social Security figures and 2026 withdrawal rate research show what three common retirement portfolios can generate in monthly income.
Happy Retirement
Life After Retirement: Why Many People Feel Happier
Life satisfaction often rebounds after midlife, staying relatively high in your 60s and early 70s. Here’s how to prepare for a fulfilling retirement.
Retirement Planning
How to Retire Abroad: A Complete Guide to Retirement Overseas
Visa income minimums, Medicare gaps, and double taxation: the real costs of retiring abroad, and how to plan around them before you commit.
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.
Retirement Planning
10 Overlooked Retirement Costs to Budget For
Long-term care can run past $129,000 a year. Healthcare can run about $371,000 for a couple. Here are the retirement costs people tend to miss.
Retirement Planning
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.
Medicare and Health Insurance
What’s a Health Savings Account (HSA)? A Tax-Free Retirement Tool
Contribute up to $4,400 to an HSA tax-free in 2026 and let it grow. See family limits, HDHP rules, and how withdrawals stay tax-free.
Retirement Planning
Financial Decision Making: 13 Strategies for Smarter Choices
Poor financial decision making costs more than money. Learn to slow down, cut bias, and choose with a clear plan.
Financial Wellness
Does Money Buy Happiness? Yes, If You Spend It Right
Research supports the idea that money does buy happiness. Here’s how spending choices matter as much as how much you save.
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.
Planning
Boldin AI Assistant: How It Works With Your Retirement Plan
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.
Retirement Planning
How to Build Wealth After 50: The 20 Key Rules
The average 401(k) millionaire hits that mark around 59. See the moves that build wealth fastest after 50.
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.
Retirement Savings and Investments
What Is Sequence of Returns Risk? Definition and Example
Sequence of returns risk is how the order of your returns affects the savings you withdraw. See a 15-year example and six ways to protect your retirement.
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.
Value Your Time
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.
Taxes
Best States to Retire for Taxes in 2027: All 50 States Compared
Nine states skip income tax, but property and sales taxes change the math. See how all 50 states tax Social Security, pensions, and IRA withdrawals.
Budgeting & Spending
Millionaire Retirees Spend $70,000 to $120,000 a Year. Here’s Why.
JPMorgan spending data and Boldin’s own planning data put millionaire retirees at about $70,000 to $120,000 a year. Here’s the math.
Medicare and Health Insurance
Retirement Healthcare Now Costs $185,500 on Average. Here’s What’s Included.
Fidelity puts 2026 retirement healthcare at $185,500 per person, so a couple should plan on about $371,000. Here’s what’s included and what changes it.
Retirement Planning
How to Live a Long Life: 12 Habits of Healthy Aging
Five habits can add 12 to 14 years to your life. See 12 research-backed habits of healthy aging and how a longer life changes your retirement plan.
Estate Planning
What Happens When You Inherit Money? First Steps to Know
Inheriting money sets off 3 things fast: taxes, timing rules, and decisions people rush into. Here’s what to expect.
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