Connect investing and retirement decisions to your goals, time horizon, costs and ability to absorb risk.
Guides 17–23 of 23
Retirement Spending Buckets: Plan Withdrawals Without Ignoring Portfolio Risk
A retirement bucket strategy groups savings by a planned use or spending date. It can help organize withdrawals, but the labels do not make the money…
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Before Changing a Financial Adviser: Check Registration, Services and Total Costs
If an advice relationship is not meeting your needs, start by defining the service you expected. The next step may be a clearer agreement, a different…
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A Career Break and Social Security: Check Your Earnings Record Before Estimating Benefits
A period outside paid work can affect both today’s household cash flow and a future retirement estimate. Review the record behind the estimate before treating an…
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Find an Old 401(k) or Pension: Use Official Search Tools and Verify the Plan
A job change, employer merger or old address can make a retirement plan hard to trace. Start by organizing the records you already have, then use…
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Home Equity in Retirement: Compare Selling, Borrowing and Keeping a Reserve
Compare selling, home-equity borrowing and reverse mortgages in retirement. Check costs, repayment, future credit access and the effect on your household.
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Retirement Abroad: Verify Residency, Benefits, Healthcare and the Full Budget
Plan retirement abroad by checking residency rules, Social Security payments, health coverage, U.S. tax obligations, full household costs and a practical return plan.
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How to Read the Lifetime-Income Estimate on Your 401(k) Statement
Understand the lifetime-income illustration on a 401(k) statement, its assumptions and limits. Separate an estimate from a guarantee and use it in your budget.
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