Social Security timing, Medicare, taxes, and building a dependable income floor — from Thomas Clark, a Series 65 Investment Advisor Representative.
Systematic withdrawal asks the wrong question for most retirees — and the answer breaks down in the year that matters most. Here's why bucket planning is…
Long-term care insurance isn't your only option. Here's how to plan for long-term care without a policy — using an earmarked reserve, home equity, and a…
Working one more year doesn't automatically raise your Social Security benefit. It depends entirely on what that year replaces in your top 35 earning years. Here's…
The old “sell in May and go away” adage has a kernel of truth in the long-run data — and it still shouldn’t change how a…
Trading and retirement investing use the same tools but reward opposite instincts. Here's why mixing them quietly costs retirees, and where active trading actually belongs.
An expense ratio looks trivial on paper - half a percent, maybe one percent. Over 30 years, the gap between a cheap fund and an expensive…
Calendar refills work fine in accumulation, when new money flows in every paycheck. They get a lot less safe the moment you start spending the portfolio…
Medicare starts at 65 — and for early retirees, the gap between leaving work and that birthday is the most under-discussed problem in retirement planning. Here's…
The 2015 Bipartisan Budget Act killed the version of the restricted application that retirement planners loved most. But it didn't touch the survivor-benefit version — and…
Eighty years of S&P 500 data say election-year volatility is mostly noise — and the twelve months after a midterm have historically been the strongest stretch…
