Financial Planning Articles

Planning for retirement today means staying ahead of fast-changing Medicare rules, Social Security clawbacks, and volatile markets.
Our retirement and Medicare financial-planning articles break down 2026 CMS changes, RMD ages, tax withholding strategies, and estate-planning mistakes so you can keep more of what you saved.

Social Security / Medicare / Medicaid

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  Follow the Money: Medicare Funding Stems From Two Sources
  Learn more about how the two Medicare trust funds operate.
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  Maximizing Social Security for Widows: The Restricted Application Strategy
  Learn how surviving spouses can use Social Security’s restricted application to maximize benefits and secure financial stability.
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  Medicare Advantage Clients Pay Coverage But Don’t Use Vision, Dental Benefits: Study
  Researchers found while these older Americans have more supplemental benefits, they don’t use more of these services and have similar out-of-pocket costs as traditional Medicare clients.
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  Is America’s Health Care System Ready for the Senior Population Boom?
  To avoid being overwhelmed by the demands of a graying America, government and health care leaders need to advance geriatric, palliative and other care models.
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  Get Your Social Security Benefit Statement (SSA-1099)
  Tax season is here, and the Social Security Administration made replacing your annual Benefit Statement easier.
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  Congress is Eyeing Cuts to Medicaid. What’s Medicaid, Again?
  Congress has announced federal budget proposals that could dramatically curtail Medicaid. Here’s everything you need to know.

Planning For & Living In Retirement

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  Navigating the Retirement Red Zone: Innovative Portfolio Strategies for Long-Term Success
  Financial expert explore how increasing stock exposure over time could lead to more sustainable retirement income and better inflation protection.
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  Retiring in Expensive Areas: A Financial Roadmap for Success
  Dreaming of retirement in a high-cost state? This guide provides strategies for maximizing your retirement income, minimizing taxes and building a secure financial future.
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  Succession Planning for a Changing Workforce
  This guide provides actionable steps for businesses to navigate the upcoming boomer retirement wave, from identifying critical roles to fostering intergenerational collaboration.
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  Navigating Medicaid’s Transfer Penalty: Exceptions and Solutions for Seniors
  Considering removing your parent’s name from the house deed to shield assets from Medicaid? Explore the implications and discover alternative strategies for long-term care planning.
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  Digital Estate Planning Tools for Older Adults
  Digital platforms can make it easier to organize documents, communicate with advisers and protect your legacy. Here’s everything you need to know.
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  Florida Retirement: Navigating Rising Costs & Climate Risks
  Explore Florida’s changing retirement market. Understand rising insurance, climate risks, and find the best, most affordable locations for your golden years. Renting tips & HOA insights included

Saving & Investing for Retirement

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  Gen X Retirement Savers Benefit From Continuous Market Growth: Fidelity
  Fidelity clients’ 401(k), 403(b) account balances reached the highest average on record, according to the report.
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  The Hidden Risks of Target Date Funds: Why Your Retirement Savings Could Be at Risk
  Target date funds often underperform compared to broader market indexes and balanced portfolios. This article examines the reasons behind this, including asset allocation and fund management.
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  Unlock Tax-Free Retirement: Which Retirement Account is Right for You?
  This guide breaks down the tax implications, contribution limits and long-term benefits of different retirement accounts to help you choose the best retirement savings strategy.
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  Backdoor Roth IRA: A Guide for High-Income Earners
  Discover the power of the backdoor Roth IRA for tax-free retirement income. This guide simplifies the process, including how to avoid the pro-rata rule and common mistakes.
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  IRA Contribution Deadline: Avoid Penalties & Optimize Your Retirement Savings
  Don’t miss the April 15, 2025 deadline for 2024 IRA contributions. Learn how to avoid penalties, understand income limitations, and leverage the 5-year Roth rule.
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  Stability Over Returns: The Key to a Secure Retirement Portfolio
  Learn why stability is paramount for long-term financial security and how to build a portfolio that prioritizes preservation over growth.