Insights
Articles on retirement planning
The planning topics that come up most often.
Coming soon
The questions that come up most often
The common questions page and the five planning pages cover the same ground.
The common questions page and the five planning pages cover the same ground in the meantime.
Planned topics
The topics
Six questions that come up again and again in retirement planning.
Social Security timing
How the benefit changes between claiming at 62, at full retirement age, and at 70, and the factors that inform the decision.
Marginal and effective tax rates
The difference between the two, and why both matter when deciding how much income to recognize in a given year.
The years before required distributions
Why the period between retiring and beginning RMDs often offers the most planning flexibility.
Beneficiary designations
How they override a will for retirement accounts and life insurance, and why they should be reviewed regularly.
Long-term care and the retirement plan
How an extended period of care affects a plan, and the approaches available to prepare for it.
Sequence-of-returns risk
Why the order of investment returns matters more in the first years of retirement than at other times.