When Safe Withdrawal Rates Collide With RMDs

For retirees seeking to take a fixed real withdrawal from their portfolios (for example, a starting percentage with that ...

Here’s why most US retirees with less than $2,000,000 should avoid Roth conversions

Roth conversions are widely considered financially advantageous. Financial advisors often recommend them, and online ...

I'm 68, Carry a Mortgage, and Don't Have Much Saved. What Should I Do?

Quick Summary Many Americans reach their late 60s still carrying mortgage debt and limited savings, leaving little room for financial mistakes. Getting an independent review of your retirement plan ...
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Is it too late to do a Roth conversion at 65 with $1.2M in an IRA and Social Security?

Imagine you’re 65 with $1.2 million in an IRA and a lingering question: should you convert your account into a Roth IRA? The ...