Retirement planning articles, commentary, and practical guidance from Empowered Retirement.
The years just before retirement are when small decisions can have an outsized impact. This checklist highlights the planning moves that help households turn savings into reliable income.
Read articleRetirement often changes your tax picture more than people expect. These planning ideas can help reduce surprises and preserve cash flow.
Read articleClaiming decisions are rarely just about age. For married households, timing, longevity, survivor needs, and taxes all matter.
Read articleRetirement cash flow planning is not just an investment issue. It is a coordinated process that connects income sources, withdrawal strategy, reserves, and tax decisions.
Read articleWe all know what a game of chicken is. In the most extreme example, the drivers of two automobiles barrel down the highway at reckless speed directly toward each other, and usually one...
Read articleA simply complex, but vital contributor to the success of your retirement plans are the sequence of your investment returns. Many investors assume that a given sample of returns will yield the same outcome...
Read articleBank failures are like 8.0 earthquakes. They do not happen particularly often, but when they do, it can be disastrous to those too close to the situation. The recent collapse of Silicon Valley Bank raised concerns...
Read articleWith tax season behind us, it's never too early to start planning for next year's taxes. By being proactive and implementing strategic tax-saving techniques, you can potentially reduce your tax bill...
Read articlePlan your retirement date. Even though it is hard to determine the exact desired retirement date, it is good to plan for a specific age and review the decisions that can shape the transition.
Read articleIf you do not like to clutter your house with old papers and items you no longer need, you might be wondering when it is safe to shred old tax returns.
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