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The personal finance articles in this section cover taxes, retirement planning, the use of financial advisors, and estate planning.
Financial planning and personal finance are undertakings where you adopt habits today so that you are better off in the future. To effectively manage your money, you need to set goals and make the right financial decisions today with regards to your spending, income, and savings so that you are set up for whatever the future holds.
Maintaining a personal financial plan is meant to be a part of your life like eating well and getting exercise. However, managing money is not as well integrated into as many people’s routines as physical fitness – even though the research shows that people with written plans feel more confident and have less stress.
Plans enable you to make better decisions, develop better financial habits, and have improved financial outcomes.
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.
August 6, 2026 • 14 min read
The average 401(k) millionaire hits that mark around 59. See the moves that build wealth fastest after 50.
Consumption smoothing is how you keep your standard of living stable across a lifetime of income changes, career shifts, and retirement.
Only 15% of Americans managed to ace this 8-question personal finance index quiz. Find out which knowledge gaps cost you the most.
Hiro Finance is gone. Compare the best alternatives, including a powerful AI tool built for smarter financial planning.
Most people skip retirement planning strategies with the highest payoff. Here are 5 of them, including one that’s essentially free money.
Using ChatGPT for retirement planning? We asked ChatGPT and Boldin AI the same question: “Can I retire?” This is how they replied.
At 62, Social Security is up to 30% smaller and Medicare is 3 years away. Here’s how to plan for both and know if your portfolio is ready.
See figures by trust, education, and wealth tier, from $6,100 for the least wealthy to $2.7 million for the top 1%, plus what it means for your plan.
Inheriting money sets off 3 things fast: taxes, timing rules, and decisions people rush into. Here’s what to expect.
The top 10% wealthiest retirees have about $3.0M in net worth. See what the top 1% have, and where you stand.
7 common financial secrets that quietly undermine goals — and how bringing them into the open leads to better decisions and more confidence.
SEC registration for Boldin Advisors means increased access, more choice, and continuation of the highest standards of guidance from CFP® professionals.
Craving reassurance? Explore Boldin's live support options: from professional financial advice to classes and coaching sessions.
Test your financial skills with this 10-question CFPB self-test and see how your score compares to the national average of 50.
Wealth means net worth, cash flow, and lifestyle security. See benchmarks by age, generation, and income to put your numbers in context.
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.
Two CFP® professionals answer real questions on Roth conversion timing, the pro rata rule, and avoiding surprise Medicare or ACA costs.
We cover 8 creative tax strategies, plus the retirement planning approach that can save you more money.
Paying taxes in retirement means managing income streams, quarterly deadlines, and the IRS safe harbor, without an employer doing it for you.
Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.
