Financial Wellness
What Is Considered Wealthy? How Wealth Is Defined in the U.S.
The median U.S. household net worth is $215,900, but Americans say it takes $2.3 million to feel wealthy. Here’s how wealth is defined, by the numbers.
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Estate Planning
Top 10% Wealthiest Retirees Have $3.9M: Net Worth by Age
The top 10% wealthiest retirees have about $3.9M in net worth, per Boldin’s analysis of 2025 Fed data. See the top 5% and 1% by age, and where you stand.
Financial Wellness
How Much Does the Average American Have in Savings? $8,200
The median family keeps $8,200 in bank accounts and $44,200 in total financial assets. See savings by age, for the middle class, and home equity.
Retirement Savings and Investments
Baby Boomer Wealth: How Boomers Got So Rich
Boomers hold about half of U.S. household wealth. See how baby boomers got so rich, who got left behind, and whether $444,000 is enough to retire on.
Retirement Savings and Investments
Average Retirement Savings by Age: Couples, Top 10%
Families 55 to 64 with retirement accounts have a median of $239,000 saved. See retirement savings by age for couples, the top 10% and every generation.
Retirement Income
Retirement Income Strategies for Making Your Money Last
Buckets, guardrails, annuities, and 14 more ways retirees turn savings into income. See which strategy fits your risk tolerance and goals.
Retirement Savings and Investments
16 Roth IRA and Roth Conversion Mistakes That Cost You in Taxes
A Roth conversion can raise your Medicare premiums two years later. Every mistake on this list comes with a solution.
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.
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.
Retirement Income
Sequence of Returns Risk: How to Protect Your Savings
A market drop in your first retirement years can cost tens of thousands, even with the same average return. See why, backed by FINRA research.
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.
Budgeting & Spending
Consumption Smoothing: What It Means and How It Works
Consumption smoothing is how you keep your standard of living stable across a lifetime of income changes, career shifts, and 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.
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.
Retirement Savings and Investments
Average 401(k) Balance by Age in 2026: How Do You Compare?
See what Vanguard’s data says the median 401(k) balance is at every age — and why the average number may not represent most savers.
Retirement Savings and Investments
What Buying a House for Your Child Costs Your Retirement
A $150,000 gift can cost $360,000 in retirement terms. Here’s the opportunity cost math, gift tax rules, and four ways to structure the help.
Retirement Savings and Investments
S&P 500 Dividend Yield Is 1%: How to Plan Retirement Income
A 1% S&P 500 dividend yield leaves an income gap in retirement. An income floor can bridge it, and a Treasury ladder can help build it.
Retirement Planning
What’s a Safe Withdrawal Rate in 2026? Morningstar Weighs In
Morningstar puts the safe withdrawal rate at 3.9%, but flexible strategies can push it to 5.7%. Seven takeaways and what they mean for you.
Annuities
Vanguard Target Retirement Lifetime Income: What It Can and Can’t Do for You
Vanguard’s new target-date trusts put guaranteed income inside your 401(k). But a floor isn’t a plan. Here’s what the product can’t tell you.
Retirement Savings and Investments
Balanced Funds: Are They a Good Choice in Retirement?
Balanced funds simplify investing while you’re saving. But proportional withdrawals can limit flexibility in retirement when it matters most.
Retirement Planning
Dave Ramsey Retirement Calculator: How the 25x Rule Works
Spend $60,000 a year? Ramsey’s retirement calculator says you need $1.5M. Here’s how the formula works and what it misses.
