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The 4% Rule Isn't a Law of Physics: What Its Own Creator Says About Retirement Withdrawals Today

The 4% Rule Isn't a Law of Physics: What Its Own Creator Says About Retirement Withdrawals Today

The 4% Rule Isn't a Law of Physics: What Its Own Creator Says About Retirement Withdrawals TodayJohn Anderson
Published on: 10/15/2026

The man who created the 4% retirement withdrawal rule has rethought it. Here's what that means for your own retirement income plan.

retirement income4% rulewithdrawal strategy
When Should I Claim Social Security? A Plain-English Guide

When Should I Claim Social Security? A Plain-English Guide

When Should I Claim Social Security? A Plain-English GuideJohn Anderson
Published on: 10/14/2026

Claiming Social Security at 62, 67, or 70? Here's how the decision works, what spouses overlook, and how it fits into your retirement income plan.

retirement income
QLACs Explained: Using Part of Your IRA to Guarantee Income Later in Retirement

QLACs Explained: Using Part of Your IRA to Guarantee Income Later in Retirement

QLACs Explained: Using Part of Your IRA to Guarantee Income Later in RetirementJohn Anderson
Published on: 10/13/2026

QLACs let you move part of your IRA into guaranteed future income while lowering today's RMDs. Here's how they work and who they fit.

annuitiesretirement incomeqlacira
Market Headlines Got You Nervous? What Midterm Election Years Actually Do to Stocks — and Your Retirement Income

Market Headlines Got You Nervous? What Midterm Election Years Actually Do to Stocks — and Your Retirement Income

Market Headlines Got You Nervous? What Midterm Election Years Actually Do to Stocks — and Your Retirement IncomeJeff Frankenfield
Published on: 10/08/2026

Midterm election years have a history of making markets jumpy. Here's what the data actually shows this year, and why your retirement paycheck doesn't need to ride on it.

retirement incomemarket volatilityannuities
Cap Rates, Participation Rates, and Spreads: How Fixed Indexed Annuities Actually Calculate Your Interest

Cap Rates, Participation Rates, and Spreads: How Fixed Indexed Annuities Actually Calculate Your Interest

Cap Rates, Participation Rates, and Spreads: How Fixed Indexed Annuities Actually Calculate Your InterestJeff Frankenfield
Published on: 10/06/2026

Cap rate, participation rate, spread: the three terms that determine how a fixed indexed annuity actually calculates your credited interest, explained in plain language.

annuitiesfixed indexed annuityretirement income
The 2027 Social Security COLA Estimate: What It Means (and Doesn't) for Your Retirement Paycheck

The 2027 Social Security COLA Estimate: What It Means (and Doesn't) for Your Retirement Paycheck

The 2027 Social Security COLA Estimate: What It Means (and Doesn't) for Your Retirement PaycheckJohn Anderson
Published on: 10/01/2026

The 2027 Social Security COLA will be announced October 14. Here's what the current 3.6% estimate really means for your retirement income — and why it shouldn't be your whole plan.

social securitycolaretirement income