Featured
The Retirement Income Problem Nobody Talks About Until It's Too Late
Jason Kirsch |
Retirement decumulation — drawing down a portfolio without running out — demands a fundamentally different discipline than accumulation.
Featured
Jason Kirsch |
Retirement decumulation — drawing down a portfolio without running out — demands a fundamentally different discipline than accumulation.
Jason Kirsch |
Near-retirees are advised to audit energy exposure, shift toward TIPS and short-duration bonds, lower withdrawal rates, and build flexible income streams to weather a potentially prolonged energy-driven inflation shock.
Jason Kirsch |
Social Security's 2.8% COLA in 2026 sounds fine until Medicare Part B premiums rose 9.7%, leaving the average retiree ahead by just ~$38/month.
Jason Kirsch |
In its inaugural 2026 Retirement Trends Report, BlackRock delivered a blunt conclusion: index funds alone are no longer sufficient to meet evolving retirement needs.
Jason Kirsch |
When debt is mounting — whether from medical bills, job loss, or a sequence of bad luck — the money sitting in a 401(k) or IRA starts to look like a lifeline.
Jason Kirsch |
The Trump administration's new housing plan promises to help Americans achieve homeownership by allowing penalty-free withdrawals from 401(k) retirement funds for down payments
Jason Kirsch |
Introduced by financial planner William Bengen in 1994, the guideline stated that a retiree could withdraw 4% of their portfolio in the first year of retirement, and adjust subsequent withdrawals for inflation.
Jason Kirsch |
Baby boomers entering or navigating retirement face a uniquely challenging investment environment where traditional portfolio construction approaches may prove inadequate
Jason Kirsch |
Sequence risk protection works best when implemented before it's needed. Retirees already facing market stress have limited options compared to those planning ahead.
Jason Kirsch |
Today's retirees are navigating uncharted waters. You're dealing with longer retirements, volatile markets, and inflation that behave differently than historical patterns suggest.
Jason Kirsch |
Think Roth conversions are only for pre-retirement savers? Think again.
Jason Kirsch |
If you've been wondering whether your retirement savings are on track, you're not alone.
Justin Kuepper |
Discover five strategies you can use to recession-proof your portfolio when times are good.
Justin Kuepper |
Learn how Trump could impact your retirement savings, from tariffs to tax cuts to Social Security changes.
Justin Kuepper |
Discover a framework to help you decide between paying off debt or saving for retirement, as well as some tips to help you get started.
Justin Kuepper |
Trump's massive tariffs put the Federal Reserve in a tough spot amid the potential for higher inflation and a weaker job market.
Aaron Levitt |
Qualified Charitable Distributions (QCDs) offer retirees a powerful way to reduce Required Minimum Distributions (RMDs), lower taxes, and support charities—if they get the timing right
Justin Kuepper |
Retirement planning may seem like a moving target, but if you're not adjusting your expectations based on reality, you might be behind the curve when retirement rolls around.
Justin Kuepper |
Learn about key retirement plan changes coming in 2025, including increased catch-up contributions, mandatory auto-enrollment requirements, and more.
Justin Kuepper |
Learn how interest rate cuts could impact your portfolio and concrete steps you can take to protect your income and reduce risk.
Justin Kuepper |
Discover the benefits and tradeoffs of using an income versus drawdown retirement strategy—and tips for choosing the best option for your portfolio!
Aaron Levitt |
Target-date funds with embedded annuities, like BlackRock's LifePath Paycheck, aim to simplify retirement income generation by automatically shifting assets toward annuities but come with potential trade-offs that investors must carefully consider.
Justin Kuepper |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
For retirees and those near retirement, today’s volatility and rising risks are a major issue. They need a plan to overcome outliving their money. The classic bucket strategy could be the answer.
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Aaron Levitt |
Annuities have been tapped as a way to solve the retirement income equation. The reintroduced LIFE Act allowing them to be the default option in workplace plans is an interesting start.
Aaron Levitt |
Last year’s bond rout left many investors and advisors looking for answers on how to generate stable returns while reducing losses. It seems, they may have found that answer in fixed deferred annuities
Aaron Levitt |
The SECURE Act 2.0 adds a plethora of new provisions expanding charitable donations and tax planning
Aaron Levitt |
With their steady and guaranteed rates of return as well as the ability to provide income, fixed annuities are getting a good look from many investors.
Aaron Levitt |
With rates of inflation and the main areas of retiree spending still running high, retired investors need to do something to keep their portfolios and income growing.
Aaron Levitt |
SECURE Act 2.0 expands on the goals of lifetime and makes it easier for Americans to spend their savings.
Aaron Levitt |
One of the biggest and most important positions of the bill deals with required minimum distributions (RMDs).
Aaron Levitt |
Under the SECURE Act 2.0, college savings plans are getting life as retirement accounts.
Aaron Levitt |
Just like the original groundbreaking SECURE Act, there are plenty of points and benefits in its sequel.
Justin Kuepper |
Let's take a look at best practices that you can use to rebalance your portfolio and optimize your risk-adjusted returns.
Justin Kuepper |
The Department of Labor's new rules could open the door to more ESG options (or even defaults) in 401(k) plans.
Aaron Levitt |
Annuities of all stripes have plenty of appeal for a wide range of scenarios. However, the decision to purchase one is not cut and dried.
Aaron Levitt |
While CDAs are a relatively new product and are still in their infancy, investors may want to have this annuity product on their radar.
Aaron Levitt |
Thanks to their steadfast guarantees, fixed annuities may offer the ballast and income generation that investors need and crave in the current high volatility environment.
Aaron Levitt |
Thanks to a set of recent proposals and platform upgrades, Fidelity is making it easier for investors in workplace plans to buy annuities to meet their income needs.
Aaron Levitt |
Given the benefits of fighting longevity and the ability to reduce RMDs, qualified longevity annuities could make a lot of sense for many investors.
Aaron Levitt |
Annuities offer the ability to provide steady income for a participant’s life. However, there are tax implications to consider.
Aaron Levitt |
The recent market malaise has brought sequence of returns risk back into the headlines. By purchasing an annuity, investors can eliminate much of that risk
Aaron Levitt |
Thanks to changes in interest rates and the tax picture, charitable gift annuities make a lot of sense these days for investors.
Aaron Levitt |
The contracts originally designed to fund wars during medieval times are attracting serious attention from the financial planning and defined benefit community.
Aaron Levitt |
For retirement success, using HSA first could be the best strategy for long-term wins.
Aaron Levitt |
With the bill being tossed around Congress, Americans have another set of powerful tools and provisions to use in order to save for retirement.
Justin Kuepper |
Let's look at a few strategies that you can use to manage inflation and interest rate risk in your retirement portfolio.
Justin Kuepper |
Let's look at how non-savers can catch up, why existing investors should stay the course, and some tips to keep in mind.
Aaron Levitt |
Building on the momentum of the _SECURE Act_, a new bill in Congress may make the job of having lifetime income that much easier.
Aaron Levitt |
While Uncle Sam’s increases on retirement accounts weren’t as lucrative as previous years, they still offer savers the ability to sock away more
Aaron Levitt |
While it shouldn’t be your main driver for retirement investment, a 529 Plan can serve as a complement or bonus account for your retirement efforts.
Daniel Cross |
We’ll go down the list and break down the most common retirement investment vehicles and help you figure out which one is right for you.
Aaron Levitt |
Our retirement accounts now may need to last longer. This creates another set of headaches for investors and constitutes a bigger nest egg.
Wayne Anderman, CFP® MBA |
If we have learned anything over the past couple of years, it is that the foundations of a well-constructed financial plan can save us from ruin when things around us start to crumble.
Aaron Levitt |
Thanks to a variety of factors, the standard gauge for safe withdrawals doesn’t hold water.
Aaron Levitt |
The classic 60/40 portfolio has worked for a long time. Nonetheless, the forces at be have the concept falling flat for the new decade. Investors need to rethink.
Justin Kuepper |
Let's look at the concept of phased retirement and how you can use it to maximize your retirement assets.
Aaron Levitt |
Several asset managers, plan sponsors and fund providers have begun launching new products for retirement plans designed to be turned into streams of income.
Wayne Anderman, CFP® MBA |
Use time in the market and proactivity in financial planning to your advantage.
Justin Kuepper |
Let's take a look at how you can prepare to retire at 62 without risking your financial or emotional health in later years.
Aaron Levitt |
Both traditional and Roth IRA accounts, as well as 401(k) accounts, come with near- and long-term benefits. The question is, how do investors choose which one is right.
Aaron Levitt |
With light being shed on the world of mega-IRAs and the ability for upper income earners to use the account type to avoid taxes, changes are coming to the individual retirement account.
Aaron Levitt |
Retirement planning is hard on its own, but women face a different set of challenges.
Aaron Levitt |
A portfolio line of credit is a great tool for many investors with large gains. By using one, investors have the potential to save on taxes while still enjoying the benefits of their gains.
Aaron Levitt |
By paying taxes today and converting to a Roth account, investors could avoid paying taxes later on and ignore the dreaded required minimum distributions (RMDs).
Aaron Levitt |
For pre-retirees, the concept of Peak 65 is a major looming concern. But it’s one that can be dealt with by implementing careful planning.
Shauvik Haldar |
Check out our list of top performing target-date funds.
Aaron Levitt |
With measures of inflation recently running higher and closer to historic norms, retirees need to be vigilant about the market force.
Justin Kuepper |
Let’s take a look at how the Thrift Savings Plan, designed for government employees, could provide a blueprint for the rest of America and redefine retirement as we know it.
Aaron Levitt |
Despite being a tough nut to crack, the decumulation challenge can be tackled.
Justin Kuepper |
Let’s take a look at some of the best ways for self-employed individuals to save for retirement.
Justin Kuepper |
Let’s take a look at a few key pieces of advice to stop COVID-19 from derailing your retirement savings and income.
Justin Kuepper |
Let’s take a look at the four factors that influence retirement income and how the current market environment is affecting them.
Aaron Levitt |
There’s plenty of tax efficiency and flexibility when it comes to using a regular brokerage account.
Aaron Levitt |
With recent legislation and new rules from the U.S. Department of Labor, liquid alts could be coming to a retirement plan near you.
Aaron Levitt |
With broker-dealers and agents now acting in favor of clients, investors may be more inclined to add annuities to their portfolios.
Justin Kuepper |
Let’s take a look at the safe harbor provision that applies to these plans and how it affects employees.
Justin Kuepper |
Let’s take a look at the benefits that Social Security provides and tips on maximizing your benefits.
Aaron Levitt |
For investors and their advisors, thinking ahead to what Biden may do is just smart planning.
Aaron Levitt |
Thanks to new rules, investors will now start seeing revised income projections on a host of their investment accounts.
Aaron Levitt |
While complex and available in many forms, annuities can provide a steady stream of income payments.
Justin Kuepper |
Let’s take a look at two common mistakes to avoid during a downturn and three steps that you can take to safeguard your retirement portfolio.
Sam Bourgi |
Social Security was facing a major shortfall long before COVID-19, but the pandemic has accelerated the trend.
Justin Kuepper |
Let’s take a look at the impact of the COVID-19 pandemic on target-date funds.
Justin Kuepper |
Let's take a closer look at Reg BI rules and how they affect broker-dealers and advisors.
Daniel Cross |
Our latest edition of trending funds series features 3 top performing retirement income funds.
Aaron Levitt |
Dividend stocks have long been a great recession fighter but not all dividend stocks perform well. Read ahead to learn more.
Justin Kuepper |
The SECURE Act was signed into law in December to increase access to tax-advantaged accounts and prevent older Americans from outliving their assets.
Sam Bourgi |
A REIT is a company that owns, operates or finances income-producing real estate.
Daniel Cross |
From the first mutual fund to the most recent product: target-date funds, investments are constantly adapting to meet investor expectations and desires.
David Dierking |
Target-date funds (TDFs) have become incredibly popular in defined contribution plans.
David Dierking |
In recent years, fund providers have expanded the types of products that go into TDFs in an effort to improve risk-adjusted returns.
David Dierking |
Investors are constantly on the lookout for higher risk-adjusted returns, and smart beta strategies may be the path to getting there
David Dierking |
This article examines the structure of long-term target-date funds and how they might not always work for investors
David Dierking |
A lot of investors make target date funds (TDFs) a core part of their portfolios, but many don’t commit to target date funds as their entire strategy.
David Dierking |
The combination of low cost and the lack of these potential conflicts of interest are making the robo advisor option more popular.
David Dierking |
When it comes to retirement, investors are looking for a steady income stream that they’re confident will last them the rest of their lives.
David Dierking |
After nearly seven years of zero-interest-rate policy, the Federal Reserve has begun lifting rates once again.
David Dierking |
As target-date funds become more and more popular, it becomes increasingly important to distinguish the good from the bad.
David Dierking |
Target-date funds aren't perfect investments. Here's what you should know.
David Dierking |
Learn to identify aggressive target-date funds (TDFs) by knowing the investor-specific criteria and asset allocation strategies used by TDF issuers
David Dierking |
As target-date funds have evolved into one of the most popular investment vehicles in the marketplace, the way they are approached has also evolved.
David Dierking |
Target-date funds continue to be the default investment of choice among employer-sponsored retirement plans, but the look of those funds is starting to change.
David Dierking |
Target-date funds may be a reason to reconsider.
David Dierking |
For many individuals, investing can be a scary proposition.
David Dierking |
Investing isn’t necessarily intuitive for most people, which is why target-date funds have become so important.
Brian Mathews |
With thousands of mutual funds available to the average investor, choosing the best option can be a difficult task.
Brian Mathews |
With over 7,000 different mutual fund options available to the investing public, selecting the correct choice can be tricky.
Brian Mathews |
With over 7,000 different mutual fund options available to the average investor, selecting the correct choice can be tricky.
Daniel Cross |
Target-date funds may seem convenient "set it and forget it" tools, but they might not be the bargain you're looing for.
Bob Ciura |
We take a look various options for low-cost target-date funds.
Aaron Levitt |
TDFs are effective vehicles for investors looking to simplify their portfolios. We take a look at some of the most aggressive TDFs available.
Aaron Levitt |
MutualFunds.com takes a dive into index-based target-date funds.
Joel Kranc |
MutualFunds.com looks at the differences between open and closed target-date funds.
Calder Lamb |
We take a look at the important questions to ask before investing in a target-date fund.
Aaron Levitt |
We take a look at target-date funds and how they can use alternative strategies for even greater diversification benefits.
Aaron Levitt |
We take a look at the major pros and cons of target-date funds (TDFs).
Aaron Levitt |
We look at target-date funds, how they work, and what to take into consideration before investing.
Daniela Pylypczak-Wasylyszyn |
The basics of an Individual Retirement Account (IRAs).
Michael Flannelly |
We look at education savings accounts, retirement savings accounts, health savings accounts and savings bonds.
Featured ETFs, Funds
Overview
Payout
Income
Income Risk
Returns
Allocations
Fees
About
OWLSX | Fund | Other
$22.41
+1.17%
$25.07 B
11.68%
$2.59
8.37%
1.10%
JEPQ | ETF |
$61.34
+1.61%
$39.63 B
11.04%
$6.77
11.59%
0.35%
$23.44
+0.30%
$11.08 B
7.04%
$1.65
1.98%
0.05%
USHY | ETF |
$37.01
+0.22%
$26.83 B
6.79%
$2.51
1.83%
0.08%
$26.40
+0.30%
$91.90 B
6.73%
$1.78
2.00%
0.35%
$25.38
+0.28%
$91.90 B
6.21%
$1.58
1.18%
0.35%
$80.01
+0.35%
$16.11 B
6.13%
$4.91
1.74%
0.49%
$26.46
+0.23%
$13.69 B
5.90%
$1.56
1.98%
0.74%
AVDV | ETF |
$106.72
-0.21%
$19.88 B
5.19%
$5.55
15.21%
0.36%
$96.73
+0.47%
$14.16 B
5.05%
$4.88
2.68%
0.39%
$82.48
+0.32%
$68.73 B
4.98%
$4.09
0.45%
0.03%
FNDF | ETF |
$54.12
+0.48%
$24.55 B
4.95%
$2.68
19.71%
0.25%
$53.05
+0.28%
$18.22 B
4.89%
$2.59
0.46%
0.04%
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