Are Stocks Still Worth the Risk in Retirement? For decades, investors have followed a simple principle: stocks offer higher long-term returns because they come with higher risk. The extra return investors expect to earn for taking on that risk is known as the risk premium. But what happens when that premium starts to disappear? In […]
Do You Really Need $1.46 Million to Retire? Why Retirement “Magic Numbers” Can Be Misleading According to a recent survey, Americans believe they need approximately $1.46 million to retire comfortably. Headlines featuring this number have appeared across financial websites, news outlets, and social media feeds, often creating anxiety among pre-retirees who look at their own
Why Your Long-Time Financial Advisor May Not Be the Right Retirement Income Specialist When it comes to retirement planning, many people assume that experience automatically equals expertise. After all, if you’ve worked with the same financial advisor for 20 or 30 years, it’s natural to trust them. They may have helped you save diligently, manage
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What Retirees Can Learn from Professional Athletes About Running Out of Money When most people think about professional athletes going broke, they assume it has nothing to do with their own retirement journey. After all, what does an NFL player making millions of dollars have in common with the average American preparing for retirement? More
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Retirement planning often comes with the same frustrating refrain: “I need to save more, but I just don’t have enough.” If you’re turning 60, 61, 62, or 63 in 2026, the IRS has given you a powerful opportunity to accelerate your savings. The Super Catch-Up provision allows eligible individuals to contribute up to $35,750 to
2026 401(k) Super Catch-Up: How to Contribute Up to $35,750 If You’re Age 60-63 Read More »
Don’t Bother Saving for Retirement? Elon Musk’s 2026 AI Prediction & What It Really Means for Your Future In January 2026, Elon Musk dropped a statement that sent shockwaves through financial circles: “Don’t worry about squirreling money away for retirement. In 10 or 20 years, it won’t matter.” As a retirement planner and host of
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Summary: Most people are familiar with the investment concept of risk vs reward or risk/return. Typically, the more risk you take, the greater the return should be. By the same token, the less risk you take, the lower the return should be. So what about risk-free investments? Shouldn\’t the return of a risk-free investment be
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