Hi Jan,
Retirement is meant to be a time of freedom—the reward for years of hard work. But too often, financial uncertainty can creep in, making it feel less like the golden years and more like a series of tough decisions. That’s why having a structured financial plan isn’t just helpful—it’s essential.
This week, we explore what it takes to truly take control of your financial future. Our featured article dives into key strategies that help retirees build a solid financial foundation, from managing behavioral biases to making smart tax decisions and ensuring long-term sustainability. We also discuss practical tools like “backcasting” and the “funded ratio” to help you stay on track, no matter what comes your way.
The more clarity you have in your plan, the more confidence you’ll have in your retirement. I invite you to explore this week’s insights and take the next step toward securing your financial future.
| | | | Retirement planning without a framework is like taking a road trip without a map—you might get where you need to go, but it won’t be without some unnecessary detours and stress along the way. A structured financial plan helps guide you toward your long-term goals while keeping you on track during times of uncertainty. Inevitably, there will be times when your natural behavioral biases will attempt to derail your plan.
By Retirement Researcher | | | | Budgeting is an incredibly important financial strategy. It evaluates how much you make, measures how much you spend, and helps you spend less than what you bring in. Financial planning, on the other hand, looks at your current financial state and builds a comprehensive portfolio by predicting future cash flows, asset values and withdrawal plans based on information that’s currently available.
By McLean Asset Management
| | | | By now, you may have heard us talking about the "Academy" a great deal - but, have we explained what it is? Let's change that.
The Retirement Researcher Academy is our subscription site that grants members exclusive access to our full library of educational content and tools to help those on their retirement planning journey.
We are continuously adding new content monthly - here's a snippet of you can expect... | | | | The Retirement Researcher Academy isn’t just about learning—it’s about taking action. Our Tools Library gives you access to a wealth of downloadable resources to help you plan for retirement with confidence.
The Academy Tools Library includes RISA®, Funded Ratio Analysis, PAY Rule Calculator, and numerous other Calculators, Flowcharts, Checklists, and Worksheets.
Academy Members get access to all tools included with their membership. | | | | | Latest Academy Tools
Tax Map Calculator
| | | | | | | | | | I created the Tax Map Calculator to help people better understand how generating more taxable income through Roth conversions would impact your overall tax situation.
I explain how to use the Tax Map Calculator in my most recent Academy Workshop Using Tax Maps to Enhance Tax Planning Decisions for Retirement.
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