Retirement
Retirement rarely goes well by accident. These articles cover the decisions that matter most before and during retirement — how much you can safely spend, how to lower risk as you draw down, and how to make your savings last.
Decreasing Portfolio Risk in Retirement: A Plain Guide
Learn practical ways to decrease portfolio risk in retirement, protect income from market drops, and coordinate investment and tax decisions together.
100% Stocks in Retirement? What to Weigh First
Should you hold 100% stocks in retirement? Learn the case for and against an all-equity portfolio, the real risks involved, and who it may fit best.
The Bucket Strategy for Retirement: How We Do It
Learn how the bucket strategy for retirement organizes savings by time horizon to protect income, reduce panic selling, and coordinate taxes.
Why Monte Carlo Simulations Beat Guesswork in Retirement
See how Monte Carlo simulations stress-test a retirement plan across thousands of markets so you can plan with probabilities instead of guesswork.
Why Sequence of Return Risk Can Derail Retirement Plans
Understand sequence of return risk, why early retirement losses hurt most, and practical ways to protect retirement income when markets fall.
Understanding TIAA Traditional for College Employees
A plain guide to TIAA Traditional for college employees: how the annuity works, its guarantees, the liquidity tradeoffs, and questions to ask before you commit.
What Is the Rule of 55? Early 401(k) Access Explained
What is the Rule of 55? Learn how it lets you tap a 401(k) penalty-free after leaving a job at 55, who qualifies, and the tax traps to avoid.
Penalty-Free Retirement Plan Withdrawals: A Clear Guide
Penalty-free retirement plan withdrawals before age 59½ are possible through specific exceptions. Learn the rules to reach your money without the penalty.