RETIREMENTGUY

We look at a variety of different asset allocations to see which supports the highest safe withdrawal rate. When we ran the research in 2025, it was a fairly light equity allocation, just between 20% and 50% of equities in that portfolio, for that 3.9% safe withdrawal rate. Retirees shouldn’t adjust their spending each year to align with safe withdrawal rates; this is meant to be guidance for people who are just embarking on retirement. https://www.morningstar.com/retirement/

Retirement is full of decisions, and the state you choose to retire in could be the most important one. A recent WalletHub study pitted the 50 states against one another across three main categories — affordability, quality of life, and healthcare — to determine the best places for retirement. The three factors were assessed using 46 different metrics. To determine a state's affordability, metrics such as adjusted cost of living and retired taxpayer-friendliness were consider

For his new book, Healthy to 100, longevity researcher Ken Stern wanted to answer a question that nagged him: Why do so many people in some European and Asian countries live long, healthy lives? How can Americans be like them? For six months in 2024, he traveled to five of the most successful aging nations — Italy, Japan, Singapore, South Korea, and Spain — to find out why their average life expectancies were often six years longer than ours and to interview residents in thei

When deciding on the optimal age to claim Social Security benefits, conventional wisdom – backed by much of the academic research – often favors delaying benefits until age 70. This conclusion is rooted in models that rely on expected value: the assumption that the 'best' decision is the one that maximizes lifetime benefits in dollar terms. To create these models, researchers often use a very low (or even 0%) real discount rate, under the logic that the 'guaranteed' nature of

When it comes to retirement planning, there’s one financial wildcard, one blind spot that can upend the best-laid plans: the high cost of long-term care — if you ever need it. Like many people, this reporter has not given much thought to the cash cushion or funding vehicles to pay for long-term care (LTC) later in life. My wife has an LTC insurance policy she got through work 15 years ago that will offset her costs. However, despite diligently building a retirement nest egg,

Three things are true about long-term care, though many Americans don’t want to believe it: You are very likely to need it in old age. It will cost a lot more than you think. And, no, Medicare won’t pay for it. Two recent studies help explain how Americans think about the financial aspects of their long-term care needs, and why they are so poorly prepared. But the results also may hold a key to future policy solutions to the challenges of funding personal care in old age....

The IRS has issued final regulations addressing SECURE 2.0 Act changes regarding retirement plan catch-up contributions, including...

The One Big Beautiful Bill (OBBB) brought a considerable number of changes across a full spectrum of American institutions. With so much...

As Labor Day approaches, U.S. workers don’t seem to be in a celebratory mood, with rumblings about a possible economic downturn raising...

What are the best countries to live in right now? Ask the people who’ve moved abroad: expats. Each year, InterNations , the world’s...

You're 62. You love your job. You're respected, productive and contributing meaningfully. You were planning to work for five more years....

With 6 million adults living with autism in the US and up to 100,000 individuals aging out of children's services annually, financial...

One of the questions retirees often have is how much they can afford to spend each year over the course of their retirement without...

When 83-year-old Harrison Ford was asked recently if he plans to retire, he didn’t miss a beat: “No. That’s one of the things I thought...

You've spent decades building your retirement fund. Now is the time to enjoy it, not lie awake worrying about scammers and identity...

Everyone wants to stay fully independent as we age. A few people over age 80 do and they don’t suffer from memory loss either. They are...

Are you ready to retire? Have you even started a retirement planning checklist? By 2030, one out of five Americans will be retirement...

- Global aging drives a retirement crisis as cognitive decline impairs financial decision-making, risking wealth erosion in 23.7% of...

Retirement is often seen as a time to relax and enjoy the fruits of one's labor. However, for many retirees , it's also an opportunity to...

After years of anxiety over the scheduled sunset of the Tax Cuts and Jobs Act (TCJA) at the end of 2025, the widely anticipated...