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Here’s the latest from the YouTube channel:
Latest Articles
What Rate of Return Should You Assume for Retirement Planning
Estimating the future returns of your investments is a key part of most retirement plans. It can help us understand our plan’s chance of success, but it can also be the most challenging. In this article, I’ll walk through my approach along with the tools and resources you can use in your own retirement plan….
Tax-Efficient Retirement Withdrawal Strategies to Combat the RMD Tax Tsunami
TL;DR Retirees have up to three types of accounts to draw from in retirement: traditional retirement accounts, Roth retirement accounts, and taxable accounts. Each account type is taxed differently. By choosing which accounts to draw from each year, retirees have the flexibility to manage when they’ll pay taxes and how much they’ll pay. The traditional…
7 Ways to Build an Income Producing Portfolio in Retirement (And Why It’s A Bad Idea)
Many in retirement seek investments with high income. Whether interest, dividends, or both, retirees value the ability to spend income from a portfolio without the need to sell shares of the investment that generates the income. This sentiment was reflected in an email I received from a viewer of my YouTube channel: “How about a…
Series I Savings Bond Rates Now Stand at 5.27% (Updated November 2023)
Series I Savings Bonds rates increased this month. The unadjusted CPI-U rose from 301.836 in March 2023 to 307.789 in September 2023. As a result, the Inflation Rate on I Bonds increased to 3.97% in November 2023. At the same time, the fixed rate jumped from 0.90% to 1.30%. This represents the highest fixed rate…
3-Step Guide to Mastering Bank Accounts and Cash Flow in Retirement
Congratulations on your retirement! Now, have you considered how you’ll handle your finances? The shift from a steady paycheck to drawing income from investments, social security, and perhaps other sources requires a different approach to cash management. This article was inspired by an email from a reader named Irving who asked the following question: “I’m…
The Spend Safely in Retirement Strategy
In 2017, the Stanford Center on Longevity analyzed 292 retirement withdrawal strategies. The study used eight metrics to measure how each strategy would satisfy various retirement income goals. From this analysis, the study identified what it described as the Spend Safely in Retirement Strategy (SSiRS). As described in a paper titled How to “Pensionize” Any IRA…
