A retirement income plan has to do a lot of things well. It needs to generate reliable cash flow, hold up through market downturns, adapt as health and spending needs change, and last as long as you do. But one of the biggest risks to a retirement plan is the gap between the income you…

Every April, retirees review their tax returns and arrive at a number that feels like a summary of their tax situation: their average rate. It is a tidy figure. It tells you what percentage of your total income went to federal taxes for the year. The problem is that this number looks backward. It describes…

Taxes are one of the highest costs in retirement, and unlike market returns or inflation, they respond directly to how decisions are made. That responsiveness is the opportunity. But taking advantage of it requires more than isolated tax moves made one year at a time. It requires structure. The most common approach to retirement tax…

The 2025 Annual Market Review features global equity and fixed income market performance for the year.   Download Annual Market Review Have any questions about the review? Contact McLean

This report features world capital market performance and a timeline of events for the past quarter. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets. The report also illustrates the impact of globally diversified portfolios and features a quarterly topic. Download Quarterly…

Housing decisions in retirement are rarely just about real estate. They sit at the intersection of lifestyle, health, and financial sustainability. In many cases, the success or failure of a retirement plan comes down to whether the home still fits the plan. A home provides comfort, familiarity, and a connection to the past. At the…

Housing decisions in retirement are rarely just about real estate. They sit at the intersection of lifestyle, health, and financial sustainability. In many cases, the success or failure of a retirement plan comes down to whether the home still fits the plan. A home provides comfort, familiarity, and a connection to the past. At the…

Retirement is often described as the reward for decades of work. Financially, however, it represents a profound shift. For years, the objective is to earn, save, and grow assets. Then retirement arrives, and the focus changes almost overnight. The goal is no longer accumulation; it is sustainability. That shift changes the risks you face in…

Retirement planning typically centers on investment strategy. Asset allocation, withdrawal rates, and market forecasts receive most of the attention. But one of the most consequential decisions in retirement is not how aggressively to invest. It is about how much of your lifestyle should depend on market returns in the first place. During your working years,…