Tax law changes. Social Security timing. The decisions you'll face in the ten years before retirement. No jargon, no fluff — just the things I find myself explaining to clients on a regular basis.
Most retirement planning starts with a savings target and works backward. I do it the other way around — lifestyle first, math second — and it changes everything.
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Social Security uncertainty, inflation, the disappearance of pensions, longevity risk — and what to do about each.
RMD ages, catch-up contributions, Roth expansions, 529 rollovers — and what to do about each.
The right answer is rarely "as early as possible." A look at the math behind delaying.
Contribution and income limits have changed since 2020. Plus the backdoor Roth, conversions, and what SECURE 2.0 changed.
Saving is one problem. Turning savings into reliable monthly income is another.