The first number that shapes what retirement will look like for you is your savings rate. '

Retirement income typically consists of three component…

Growing money is still an important component of an Optimized Retirement Income Plan.  

Your investing goal should be to earn 6% or more over any 10…

An Asset Drawdown Rate is the percentage of your beginning balance you 'draw' from your retirement-day account balance as income each year (adjusted …

Selecting a drawdown rate is a tradeoff between maximizing income and maximizing the odds of NOT running out of money.  

A higher draw rate means a …

When tax rates go up on retirees living on a largely fixed income, the extra taxes must come out of lifestyle money - which is no fun.

Therefore, we…

If your advisor (and others in the Wall Street food-chain) charge a percentage of your account value each year - you'll pay twice as much to have the…

During our working years - growth of our account balance is our first priority.  

In retirement, the preservation of our money - and the income we c…

There's a 70% chance you'll have a long-term care event in your lifetime. If you're married, the statistical odds are 100% - and long term care cost…