Putting a retirement plan together in advance forces you to envision the life you think you will live. The first few years tend to come into focus most clearly, with visions of travel, visiting family, pursuing hobbies, and finally enjoying the flexibility you spent decades working toward. Where you live is part of that picture,…

By the time someone reaches their mid-70s, the challenge is often no longer building wealth. It is making sure the financial life they have built remains easy to understand and manage, while also being organized enough for someone else to step in if that ever becomes necessary. Over decades, accounts multiply, estate documents age, bills…

For many successful professionals, retirement becomes a choice before age 65. After decades of saving and building financial flexibility, they may have more freedom to decide when they are ready to leave work and move on to something different. That freedom can come with a few complications, and health insurance is one of the easiest…

One of the biggest mistakes investors make is assuming that retirement changes how much risk they should take without first considering why they are investing in the first place. Throughout your career, your portfolio has one primary objective. It works alongside your regular savings to build wealth over time. Every paycheck, bonus, and retirement plan…

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…

The anticipation surrounding the SpaceX IPO was unlike anything the market had seen in years. Investors had waited more than two decades for the opportunity to buy shares in one of the world’s most recognizable private companies. Demand was extraordinary, the media covered every development, and many investors worried they would lose their chance if…

Building wealth and keeping wealth often require different strategies. Once a portfolio reaches a certain size, taxes begin to matter almost as much as investment returns. That is one reason direct indexing has become one of the fastest-growing investment strategies among affluent investors. Few investment innovations have had a bigger impact on long-term investors than…

Social Security is often viewed as a monthly paycheck that replaces part of the income earned during a career. As a result, many discussions focus on when to claim benefits. While the timing of that decision is important, it only scratches the surface of what Social Security contributes to a retirement plan. The age at…

A central component of retirement income planning is estimating how much you can spend without running out of money. Equally important, however, is deciding where that income should come from. One way to think about retirement income is to assign a specific job to each source of income. Guaranteed income may be best suited to…