Retirement Planning Insights
In-depth guides and expert advice to help you navigate the complexities of financial independence.
What If You Live to 100? Planning Past Your Life Expectancy
Life expectancy is an average, so about half of people outlive it. Learn how to stress-test your plan to age 100, and which changes protect a long life most cheaply.
Planning as a Couple: Two Ages, Two Claiming Decisions, One Portfolio
A retirement plan built for one person misses what makes a couple's plan hard: an age gap, two Social Security decisions, and the survivor years. Learn how to model all three.
Social Security Bridging: Spending More Now to Wait for Age 70
Delaying Social Security until age 70 can significantly increase your guaranteed lifetime income. Learn how to use a 'bridging strategy' from your investment portfolio.
Accessing Retirement Funds Early: The FIRE Guide
Learn the strategies to access your retirement savings before age 59.5 without penalties, including the Roth Conversion Ladder and Rule 72(t).
Die with Zero: Balancing Maximum Life Enjoyment with Long-Term Care Security
Bill Perkins' 'Die with Zero' philosophy challenges traditional retirement math. Learn how to model 'self-insurance' and late-life care without over-saving.
The Spending Smile: Why Your Retirement Budget Should Be U-Shaped
Most people assume retirement spending is flat, but data shows a 'smile' curve. Learn how to model the three phases of retirement for a more accurate plan.
Beyond the 4% Rule: Why 'Confidence Scores' are the New Standard for Retirement
The 4% rule was a breakthrough in the 90s, but modern retirement planning requires a more dynamic approach. Discover why 'Confidence Scores' are replacing static math.