The ideas from the podcast and our workshops, in writing. Each piece takes one structural risk in retirement income or estate planning and works through it plainly.
A required minimum distribution isn't a fixed event at 73. It's the output of a calculation built in the years before it, during a window that closes the moment RMDs begin.
Read the article →You know your advisory fee. You probably don't know the other two layers stacked underneath it, or what all three add up to over two decades of retirement.
Read the article →Planning to age 85 feels cautious, but for a 65-year-old couple it's closer to a coin flip. A structural fix changes the math without requiring anyone to predict how long they'll live.
Read the article →Two retirees can have identical average returns and identical withdrawals and still end up hundreds of thousands of dollars apart. The difference comes down to one thing: the order the returns arrived.
Read the article →A couple with $780,000 and a reassuring Monte Carlo projection still had a $2,050 monthly gap in their guaranteed income. Here is what that gap does, year by year, if it never gets closed.
Read the article →Signing a trust and funding a trust are two different events. Here is what funding actually means, and why skipping it leaves your plan unfinished.
Read the article →Most people assume a floor that covers most of their expenses is good enough. It isn't. A gap of any size changes what the floor actually is.
Read the article →Hitting your retirement number doesn't mean your income is covered. A $780,000 portfolio with an 89% probability of success still had a $2,050 monthly gap in guaranteed income.
Read the article →The years before retirement are the most flexible planning window you will ever have. Once you retire, the same decisions become reactive instead of proactive.
Read the article →The word "annuity" shuts down more planning conversations than almost anything else in retirement income. Here is the mechanism itself, explained plainly, so you can evaluate the instrument instead of reacting to its reputation.
Read the article →A retirement plan can look solid while both spouses are alive, then collapse the day one of them dies. Here's the mechanics behind that drop, and the worked example that shows how to close it.
Read the article →Most people retire having done everything right with saving and investing. Then the real question arrives: where does the income actually come from, and what happens to it when the market drops?
Read the article →Read Enough to Know?
The Income Standard Review measures this exact structural risk against your actual numbers. 45–60 minutes. No cost. No pitch.
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