Retirement

Morningstar’s retirement researchers explain why your plan needs to account for potential Social Security changes, long-term-care costs, and a longer life.

Even short-term muni funds aren’t totally immune from losses.

A successful retirement depends on income, spending, taxes, and flexibility, not a seven-figure balance.

The creator of ‘Erin Talks Money’ discusses the value of professional advice, preparing for cognitive decline, and fear-based underspending.

The date you retire is only part of the picture. Also consider your income needs, spending rate, taxes, and more.

For retirement savers and retirees, Christine Benz highlights all-in-one funds and core funds that can serve as building blocks for a streamlined portfolio.

Jean Chatzky discusses the financial and emotional hurdles that make it difficult to shift from saving for retirement to spending in retirement.

From Dana Anspach to Wade Pfau, The Long View podcast has been a rich source of good reads.

The ability to lock in premiums with a lump-sum payment invites complicated questions about opportunity cost.

A recent IRS ruling highlights the risks of rollover errors.

Tax expert Ed Slott talks with Christine Benz about when Roth conversions make sense, why the years before RMDs can be especially advantageous, and how to handle the tax bill.

Your retirement time horizon is a big factor, but Social Security, future employment, and changes in spending also matter.

Whatever your family situation, Christine Benz has retirement planning insights tailored to your circumstances.

The author of ‘The Forever Paycheck’ explains why cognitive decline can appear in financial behavior and how families and financial advisors can help stop fraud, including romance scams.

Christine Benz talks with tax expert Ed Slott about withholding taxes versus quarterly payments, Medicare’s IRMAA surcharge, and how new retirees can create a tax-smart withdrawal strategy.

The personal finance expert explains why retirees struggle to spend their savings, how to build reliable retirement income, and why she changed her mind about annuities.

This collection of Morningstar model portfolios from Christine Benz can help investors build portfolios to reach their financial goals.

Our model portfolios are designed to facilitate in-retirement cash flows—and to limit Uncle Sam’s take.

How families can prepare for a child’s long-term financial needs while securing their own retirement.

Your remaining time horizon can help determine whether you’re spending too much—or too little.