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

New Social Security Law Faces Long Delay Before Sending Out Adjusted Benefits
The Social Security Fairness Act will boost benefits for 3.2M public workers once the agency can plow past multiple roadblocks. Here’s what you need to know.

Understanding Your Retirement Options: Savings and Social Security
From employer-sponsored retirement plans to Social Security, here’s how to maximize your savings for a secure retirement.

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.

Follow the Money: Medicare Funding Stems From Two Sources
Learn more about how the two Medicare trust funds operate.

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.

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.

Planning For & Living In Retirement

Can You Afford to Retire? See How Much Seniors Spend on Essentials
Americans 65+ have seen a major spike in expenses, with food costs up 44.4% since 2012. See how retirement spending has changed and what it means for your budget.

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.

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.

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.

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.

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.

Saving & Investing for Retirement

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.

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.

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.

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.

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.

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.