Retirement Researcher
Prepare for Your Best Retirement
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Latest posts
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The Overlooked Role of a Taxable Account in Retirement
By the time you retire, you may have spent thirty or forty years arranging your financial life around getting money into retirement accounts. You increased contributions when you got a raise, weighed traditional versus Roth contributions, and watched your balances grow. A…
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Why Your Next Withdrawal May Cost More Than You Expect
After years of saving, it can feel reassuring to know you have enough set aside for a major purchase or an unexpected expense. You can look at your account balances, decide what you can comfortably afford, and begin making plans. Choosing where to take the money from deserves a…
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What Does a 95% Success Rate Really Mean?
Most of us have spent our lives being evaluated on a scale of 0 to 100. From elementary school through college, we learned that higher scores meant better results. A 95 was an A, a 75 was a C, and anything below 60 usually meant we had some work to do. That way of thinking […]…
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A Zero-Dollar Tax Bill Can Be a Missed Opportunity
Paying no federal income tax can feel like an obvious win, especially after decades of watching taxes come out of every paycheck. Once work ends, income often drops, deductions may cover much of what remains, and it can be satisfying to see little or nothing owed when your tax…
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Filling Tax Brackets May Be the Wrong Roth Conversion Strategy
Paying $0 in federal income tax during retirement might sound like the ultimate tax-planning victory. After decades of paying taxes on your earnings, investments, and retirement savings, reaching a point where you owe nothing can feel like evidence that you planned exceptionally…
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You May Not Get to Choose When You Retire
You may have spent years planning to retire at a specific age, only to discover that the timing is not entirely yours to control. A company restructuring, a sale, a family member who suddenly needs your support, or a change in your own health can bring your working years to an…
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Using Home Equity as a Retirement Buffer Asset
Periods of financial stress can set the stage for difficult decisions for retirees, particularly when markets are down at the same time cash is needed for living expenses or an unexpected cost. Having another source of funds available can help reduce the need to sell investments…
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Can You Live Off Dividends in Retirement?
Selling an investment in retirement can feel very different from receiving a dividend. One feels like spending down something you worked for years to accumulate. The other feels like skimming income off the top while leaving the underlying investment alone. Retirees who spent…
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How to Build a Social Security Bridge to Help Manage Sequence Risk
Social Security is a particularly valuable source of reliable retirement income. It functions much like a lifetime inflation-adjusted annuity backed by the federal government, providing income for as long as you live and adjusting benefits over time through cost-of-living…
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The Wrong Way to Decide Whether an Annuity Is Expensive
One of the hardest problems in retirement is not knowing how long your money needs to last, and that uncertainty shapes almost every decision about how much you can safely spend. If you knew with certainty that retirement would last exactly 20 years, the planning would be…