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Stop Optimizing Your Retirement to Death: Why a Well-Built Plan Beats Perfect Planning Thumbnail

Stop Optimizing Your Retirement to Death: Why a Well-Built Plan Beats Perfect Planning

arah stared at her laptop screen for the third hour that morning, tweaking her retirement calculator for what felt like the hundredth time this month. "If I delay retirement by just six more months," she thought, "I could increase my safe withdrawal rate by 0.2%." Three years later, she's still making the same calculation while her dream of traveling with her husband grows more distant each day.

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Fidelity Just Revealed Retirees Need $172,500 for Healthcare and Most People Are Completely Unprepared Thumbnail

Fidelity Just Revealed Retirees Need $172,500 for Healthcare and Most People Are Completely Unprepared

The numbers are staggering, and frankly, they should wake up every American planning for retirement. Fidelity Investments just released their 2025 Retiree Health Care Cost Estimate, revealing that a 65-year-old retiring today will need an average of $172,500 to cover healthcare expenses throughout their retirement. That's a 4% jump from last year's already eye-opening $165,000 estimate.

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Why Cognitive Decline Is The Most Overlooked Retirement Risk Thumbnail

Why Cognitive Decline Is The Most Overlooked Retirement Risk

Cognitive decline poses a hidden threat to retirement security that most people never see coming. While retirees carefully plan for market crashes and inflation, few prepare for the possibility that their own decision-making abilities might deteriorate with age. Research reveals that more than 55 million people worldwide live with some form of cognitive decline that affects financial management, with this number expected to double by 2040.

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Roth Conversions After the Trump Bill: Big Gains or Big Mistakes? Thumbnail

Roth Conversions After the Trump Bill: Big Gains or Big Mistakes?

The landscape of retirement planning underwent a dramatic transformation on July 4, 2025, when President Donald Trump signed the One Big Beautiful Bill Act (OBBBA). This legislation doesn't merely extend tax cuts—it fundamentally reshapes how Americans should approach retirement savings, particularly when considering Roth conversion strategies.

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Pre-Tax Retirement Accounts: What 15 Years Has Taught Me Thumbnail

Pre-Tax Retirement Accounts: What 15 Years Has Taught Me

After fifteen years of helping retirees navigate their financial transitions, I've witnessed countless surprises emerge during those first crucial years of retirement. While most of my clients come to me well-prepared with solid savings habits and carefully calculated withdrawal strategies, there's one persistent challenge that continues to catch even the most diligent planners off guard.

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What Issues Should I Consider When Reviewing My Existing Annuity? Thumbnail

What Issues Should I Consider When Reviewing My Existing Annuity?

Are you getting the most from your existing annuity? This comprehensive guide reveals 12 critical factors every annuity owner should review to ensure their investment still serves their financial goals. Many people purchase annuities and forget about them, missing opportunities to reduce fees, improve performance, or find better alternatives.

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