If you save 10% of your income, you have to work nine years to buy one year of freedom. That math doesn't work for a late ...

For as long as most of us can remember, the 4% rule has been something of the gold standard around retirement. In 2026, ...

Federal employees can use a new Thrift Savings Plan tool to weigh the tax costs and retirement advantages of moving ...

Key Points Lowering taxes in retirement could boil down to the right strategies. Choose tax-efficient investments and be ...

The best retirement withdrawal method depends on what’s most important to you. That’s one of the conclusions from our recent ...

Recent research supports moving away from rigid withdrawal rates. Morningstar’s December 2025 analysis recommends a 3.9% starting safe withdrawal rate for new retirees with a 30-year horizon—not 4%.

Why do retirees with substantial savings struggle with cash flow anxiety? We explain the psychology and solutions.

The 4% rule and most retirement calculators often just assume you are going to spend the same inflation-adjusted amount of money for the next 30 years. On the one hand, this is a simple and clean idea ...

Two retirees begin retirement with identical portfolios. They withdraw the same percentage of their savings each year. They experience the same average market returns over decades. Yet one runs out of ...

In our recent annual study on safe withdrawal rates, my colleagues Tao Guo, Jason Kephart, Christine Benz, and I looked into a variety of strategies that retirees can use to manage portfolio ...

One of the most common and emotionally loaded questions retirees ask is how long will my money last in retirement. It’s a ...