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Blog Your guide to financial planning and retirement
You spend your life working and saving, but in retirement everything turns upside down as you transition to a life of leisure and need to turn those savings into reliable retirement income.
There are different ways of determining how much retirement income you will need and many different strategies for securing that income.
Your retirement income may come from a mix of savings withdrawals, Social Security, pensions, passive income, annuities, retirement jobs, and more.
Take a deep dive into how one retiree is achieving a secure future with guaranteed retirement income. Learn about an income floor and 3 investment buckets.
Evaluate the pros and cons of different orders of accounts for withdrawals. See how to make smart decisions about your choices.
Learn about the ideal withdrawal rate and the 4% rule. Plus, understand a more personalized approach to retirement withdrawals.
If there ever was a million dollar question, it just might be: “how much is enough?” (Although, maybe in your case it would be a $50,000, $200,000, $500,000, $5 million or $10 million question.) At whatever value, the reality is that we all want to know how much savings or income we need and the […]
Research suggests that average annual retirement income for retirees is far less than what they earned before retirement. And, it’s not a problem!
Policy expert, Andrew Biggs, discusses the so called “retirement crisis” and shares his thoughts on the solvency of Medicare and Social Security.
Certain ages play a crucial role in retirement planning. Find out what you need to know when.
Get a guided walk through of the new Roth functionality and get tips for making the most of the tool. Plus explore all the ways we help you make better decisions about conversions and tax deferred savings.
Average retirement income 2023– find out how your income compares to averages and get tips for boosting your income. Read now!
William Sharpe has contributed significant brain power to solving for retirement security. Learn about the lockbox strategy and other ways to set up your retirement income.
Budgeting doesn’t have to be awful. We’ll help you find a way to budget that helps you with your financial goals and suits your personality.
See the impact of new 2023 and 2033 RMD ages on your projected retirement plans. Your taxes, income, and Roth strategies may have changed.
There are big retirement planning changes with passage of the Omnibus Spending Bill, including the SECURE Act 2.0. See how you are impacted.
Are RMDs desired income or a cost? Either way, preserve wealth with these 6 strategies for minimizing taxes on your withdrawals.
Too good to be true? Explore 15 pros and cons of dividend stocks. Good for retirement income, but also expensive, confusing, and risky.
As a lifelong worker who paid their fair share of taxes, make sure you take advantage of these sources of tax-free retirement income.
Bond ladders can be used to protect against interest rate risk. Discover what they are and why you would use one to secure your future.
Your next 401k statement is going to look different. And, your retirement income projections may be concerning. Find out why.
Steve and David discuss retirement income and go over some listener questions
Depending on your income (not your assets), you may be receiving a stimulus check of somewhere between $1,400 and $2,800. How are people putting this money to use? We asked the Boldin Facebook group and it turns out that the uses are as varied as we are individually. Many are looking to spend the money […]
Low-risk investments with a high reward are out there—you just need to know where to look. When you are retired, or near retirement, it is generally a good idea to have a percentage of your savings in investment vehicles that are lower in risk. However, it can be difficult to find low-risk, high-return investments — […]
The 50th Boldin podcast! This time, Steve Chen is joined by guest Dana Anspach — Certified Financial Planner™, author, and the founder of Sensible Money — and discusses her practice and approach to retirement income planning. Listen Now: Don’t miss out on future episodes: subscribe on iTunes subscribe on Stitcher And, join our private Facebook […]
You may have seen the news: Interest rates in the United States are at historic lows. That sounds great. But is it really? What are the effects of low interest rates on your retirement? Read on to see the pros and cons of low interest rates on your retirement plan. And, how to make the […]
Retirement withdrawals strategy becomes important to consider as you age. You’ve spent your entire working career saving and investing for retirement. Now it’s time to develop a retirement withdrawals strategy. When switching from accumulating to withdrawing, it’s important to come up with a strategy that ensures that your savings are going to last for your […]
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