
Sequence Risk in Retirement: When to Draw Fixed Income First
A market drop early in retirement can permanently shrink a nest egg. Here is how a cash and bond buffer helps retirees avoid selling stocks at the worst possible time.
Peter Simmons covers the challenge of building lasting income streams, from annuities to dividend portfolios designed to outlast their owners. His writing leans persuasive and energetic, using vivid analogies to make abstract income models feel tangible. Peter is particularly interested in how market volatility tests income durability over time, and he enjoys challenging conventional wisdom, pushing readers to question assumptions about guaranteed income versus growth-oriented approaches to funding retirement years.
24 articles

A market drop early in retirement can permanently shrink a nest egg. Here is how a cash and bond buffer helps retirees avoid selling stocks at the worst possible time.

From Juneau to Winchester, medium sized towns are quietly outpacing big cities as retirement destinations, offering lower home values, manageable healthcare costs and real tax savings.

Retirement account participation is up for people in their late 30s and early 40s, but balances have dropped sharply. Here is what that means for planning ahead of key ages…

A state retirees pay schedule for sales tax can swing a household budget by hundreds of dollars a year, since the tax applies every time cash changes hands at the…

Nine U.S. towns where retirees can cast a line without leaving home, from Florida's tarpon flats to South Dakota's walleye waters, plus the tax perks and lower costs that come…

Sioux Falls draws retirees with home values below the national average, no state income tax, and healthcare systems like Sanford and Avera anchoring the city.

Florida is famous for retirees, but how many actually live there? A look at Census data, senior population shares and the income realities behind the state's retirement boom.
Choosing among great retirement places to live often comes down to lifestyle and budget, but for people who plan to spend their days outdoors with a trowel in hand, climate…
Most Americans want universal healthcare, polls show, and the retirement system reveals why: workers often leave jobs at 62, years before Medicare starts at 65.

Think you need $1 million to retire alone? In 28 states, $800,000 covers it, but only 9% of single retirees actually have that much saved.
Dividend income can trim a retirement nest egg by up to $600,000, but the savings needed still swing wildly by state. Here is the math couples should know.
Wondering how much to retire in North Carolina? A typical couple needs nearly $940,000 beyond Social Security, and the gap looks different depending on age and pension income.
Retiring alone changes the math. See how much a single retiree really needs saved, how part time work shrinks that number, and which states cost the most.
A retirement planning spreadsheet lets you model your own savings, contributions, and withdrawals with full control, no guesswork about hidden assumptions, and no cost.

No state income tax, a major medical center, and lower housing costs make Houston a serious retirement contender, if you can handle the heat, humidity, and hurricane risk.

A practical, ranked guide to the best retirement gifts for women, comparing cash, experiences, jewelry, and hobby kits so you can choose the right one for your budget and relationship.

Maine, New Hampshire and Pennsylvania all rank among the best places to retire in the Northeast, but taxes, housing costs and property tax rates differ enough to change which one…

The healthiest countries in the world are not necessarily the ones where people live the longest, and that distinction carries real weight for anyone mapping out retirement income. Singapore and…

Cars, radios and store bought clothes reshaped American households in the 1920s. Here is how wages, credit and advertising rewired the way families spent and shopped.

Hialeah, Florida landed on a national best places to retire list thanks to affordable housing, Cuban culture, and lower healthcare costs than nearby Miami.

Most people plan to retire at 65, but the median actual retirement age is 62. Here's what that gap can cost in savings, health coverage, and Social Security benefits.

Most Americans 75 and older have little or nothing saved in retirement accounts. Here's how Social Security, pensions, and aging alone shape their finances.

Nine western towns made a national retirement ranking for 2026, offering affordable homes and tax perks, but some come with tradeoffs in healthcare access and cultural amenities.

Retiring in Scandinavia means trading American healthcare bills and car dependence for high taxes and long winters, in exchange for universal medical coverage, low crime and efficient public transit. Finland,…