Asset Allocation for Retirees: Stocks, Bonds & Cash
The best asset allocation for a retiree is not determined by age alone. It should reflect how much of your spending must come from the portfolio, how soon you will…
Retirement Income Strategies Archive
Previous guides on Social Security, withdrawal rates, retirement accounts, RMDs, portfolio risk, taxes, and building a retirement paycheck.
Will Social Security Run Out? What the 2026 Trustees Report Actually Says
No, Social Security is not projected to run out of money in 2032. The 2026 Social Security Trustees project that the Old-Age and Survivors Insurance (OASI) Trust Fund, which pays…
4% Rule for Retirement: How It Works & When to Adjust
The 4% rule is a retirement-withdrawal starting point, not a promise. The basic idea is simple: withdraw 4% of your portfolio in the first year of retirement, then adjust that…
Retirement Plan Distributions: RMD & IRA Withdrawal Guide
A retirement plan distribution is simply money coming out of a retirement account. But the tax result depends on why the money is coming out, which account it comes from,…
Why Did I Get Extra Money From Social Security This Month?
Quick Answer The most common reasons for unexpected Social Security money are an early SSI payment caused by the calendar, retroactive or back pay, an earnings-record recalculation, a correction to…
Can You Live on $4,000 a Month in Retirement? Exploring Financial Feasibility
Have you ever wondered if $4,000 a month is the magic number for a worry-free retirement? Do you think think that you can live on $4,00 a month in retirement?…
How Long Will My Money Last in Retirement? Calculator
How long your money will last in retirement depends mostly on how much you withdraw, how long retirement lasts, what your investments earn, inflation, fees, and how much of your…
What to Do With an RMD You Don’t Need: 6 Options
If you have to take an RMD but do not need the money for living expenses, you have several good options: give eligible IRA dollars directly to charity through a…
When to Claim Social Security: 62, 67, or 70?
When should you take Social Security: at 62, at full retirement age, or at 70? The frustrating answer is that the best age is not the same for everyone. But…
What is a Good Monthly Retirement Income? Expert Strategies Revealed
“What is a good monthly retirement income” or “How much do I need to retire?” – these are questions, often clouded with uncertainty, that loom large in the minds of…
Social Security Payment Schedule 2026-2027: Exact Dates
Most Social Security recipients are paid on the second, third, or fourth Wednesday of the month, based on the birthday of the person whose earnings record the benefit is paid…
Social Security Survivor Benefits: Rules, Amounts & How to Claim
Social Security survivor benefits can provide monthly income to a surviving spouse, ex-spouse, child, or dependent parent after a worker dies. But the question is not just whether you qualify.…