Retirement Income

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.

Spend safely in retirement? It sounds promising. Discover how to implement this retirement income strategy developed at Stanford. Read more…

Average retirement income 2022 – find out how your income compares to averages and get tips for boosting your income. Read now!

Steve and David discuss retirement income and go over some listener questions

The best asset allocation strategy for you today? As you age? Is age the best way to determine investment strategy? Get answers.

Find out how to apply for Social Security. Applying for Social Security is very straightforward. The real trick is deciding when. Get the inside scoop!

Choosing the right Social Security strategies can be a $100,000 (or more) question. Find out how to make the most of this benefit with 16 easy tips.

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…

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 — especially now with Certificate of Deposit (CD) and savings account rates at less than one percent.…

How are you going to pay for retirement? How is everyone else doing it? What is the average retirement income for 2021? Has it changed a lot from past years with the pandemic? Are you anywhere close to average? 2020 was a devastating year for the finances of many households. And surprisingly, it was also…

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 tax planning is a critical part of preparing for a secure future. The good news is that with so many possible retirement income sources, you have many different opportunities to potentially reduce your tax burden. And, you may even discover that reducing taxes can enable you to retire a little earlier than you might…

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 lifetime and that your money is used efficiently, not diminished…

Regardless of where you are in life, it’s always nice to make some extra money.  And that is especially true in retirement. But, how to make money in retirement when you’re supposed to be simply enjoying the easy life?  The retirement gigs listed below won’t be quite enough to cover retirement expenses, but they won’t…

A retirement target-date fund is a  professionally-managed mutual fund that is strategically reallocated over time to achieve both growth and security for your assets. The key goal for a target-date fund is that your money will be available for withdrawal on a  targeted retirement date in the future. When you invest in a target-date fund,…

After the stress of building careers and raising kids, most people’s happiness seems to start increasing at around age 65. And, we keep getting happier until it peaks at around age 85. Want to do a little extra to make sure you have a happy retirement? Try these tips: Think About Your Death Yes, you…

If you’re reading this, you’re likely someone who: saves money, has built up some assets, and is starting to think about how to create a retirement drawdown strategy – a plan for how to turn your assets into income that will last for life. Having a sound retirement drawdown strategy and keeping to it is…