Monthly Archives: October 2022

Any way you look at it, missing even just a few days in the market can adversely affect your retirement. In this blog post, we’ll look at this issue with three different charts. But staying fully invested can be difficult when markets are plummeting. I get that. We all understand that over time the market does something like 10% average annual returns. But there’s something called the sequence of returns risk that can destroy a retirement income plan – especially … Continue reading

Not a cheery topic by any means. But it’s one that, as a retirement income planner, I have to deal with almost every single year. Besides the obvious, I’ll focus on just income taxes and Medicare Part B and D premiums after a spouse dies. It’s not pretty. Let’s say that this 72-year-old couple is enjoying a modified AGI of $181,000. With the standard deduction of $28,700 (2022), their taxable income is $152,300. That means they’ll pay taxes to the … Continue reading