Investing
Asset Location is Important Too
That’s not a typo. While asset allocation is a common investment term, asset location is an often overlooked aspect of retirement planning.
The Blog
Retirement, simplified — one article at a time.
Practical guidance on retirement income, taxes, Social Security, and investing from our fee-only fiduciary team.
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- Investing
Inflation's Effect on Retirement Portfolios
Many retirement income strategies call for distributions to be adjusted for inflation. What is inflations effect on your portfolio?
- IRA
The Five Year Rules of Roth Distributions
Most investors are aware of the Roth IRA five year rule, although few understand the details. In fact, there are actually multiple five year rules.
- Investing
Bond Ladder - Secure Retirement Income
A bond ladder is a useful tool for providing security in retirement. A bond ladder can protect your investments from volatility.
- Book Review
How to Make Your Money Last
In How to Make Your Money Last - The Indispensable Retirement Guide, Jane Bryant Quinn provides an excellent comprehensive overview of retirement planning.
- Investing
Bond Prices and Rising Interest Rates
Bonds are a common asset in retirement accounts. Whether held individually or through an ETF, most retirement accounts contain bonds.
- Retirement Income
Are Social Security Benefits Taxed?
Only a portion of your Social Security retirement benefit is taxable. It is not fixed and changes based on a figure known as your combined income.
- Retirement Income
Required Minimum Distributions
If you save for retirement using tax-deferred accounts then you need to understand the rules surrounding required minimum distributions RMDs in order to avoid s
- Retirement Income
Efficient Withdrawals to Maximize Retirement Income
Efficient retirement account withdrawals should provide an income that will last for the duration of your retirement. It’s important to get this right.
- Retirement Income
The 4% Rule of Retirement Income
The most commonly cited method of withdrawing retirement income from an investment portfolio is “the 4% rule”.
- Investing
Sequence of Returns Risk in Retirement
The sequence of returns risk in retirement is the risk that investment returns come in an unfavorable order. You can do a few things to manage this risk.
- Retirement Planning
Implications of Tax Reform for Retirement Planning
Tax reform stirred up a lot of debate. Fortunately, the Tax Cuts and Jobs Act did not greatly modify the retirement savings vehicles that often house index fund
