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Latest Articles
Higher Isn’t Always Better: The Surprising Truth About Safe Withdrawal Rates
Morningstar recently released its annual report on the state of retirement income. It’s the fourth such annual report. In each, Morningstar uses assumptions about future market returns and inflation to estimate the safe withdrawal rate (SWR). In this year’s…
The Optimal Order of Funding Retirement Accounts
When it comes to saving for retirement, there are four account types to consider: Workplace Retirement Accounts 401(k) 403(b) TSP 457 Individual Retirement Accounts (IRA) Health Savings Accounts (HSA) Taxable Accounts The different account types raise an important question…
How Should We Evaluate Financial Planning Fees?
The cost of financial advice and how that cost is calculated are hotly debated topics among financial professionals and the clients they serve. The most common fee structure is based on Assets Under Management (AUM). An advisor charges a…
5 Hidden Fees of Fee-Only Advisors
Fee-only financial advisors are often touted as the most transparent and unbiased option for investment advice. They do not earn commissions and have a fiduciary duty to act in their clients’ best interests. However, even fee-only advisors have hidden…
Decoding The “Chance of Success” In Your Retirement Plan
You enter your income, expenses, investments and liabilities into your favorite retirement planner. You click a button, the software does some kind of calculation, and out pops a single number. It may be 87%. Maybe it’s 72%. Or it…
What Rate of Return Should You Assume for Retirement Planning
Estimating the future returns of your investments is a key part of most retirement plans. It can help us understand our plan’s chance of success, but it can also be the most challenging. In this article, I’ll walk through…
Rob Berger is a former securities lawyer and founding editor of Forbes Money Advisor. He is the author of Retire Before Mom and Dad and the host of the Financial Freedom Show.