Retirement Income School™ Blog
Testing the 4% Rule vs Annuity Income Mar 19, 2026

Most retirees are told they can safely withdraw about 4% from their portfolio each year.

It’s one of the most widely accepted rules in retirement planning.

But what happens when you compare that ...

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Sequence of Returns Risk Explained (Retirement Guide) Mar 05, 2026

What if two retirees earned the exact same 6% average return… but one ended up with $419,000 less after just 10 years?

Same portfolio.
Same withdrawal amount.
Same average return.
Very different o...

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Roth vs Whole Life: Start Before RMD Age Feb 19, 2026

Required Minimum Distribution planning is not a 73-year-old problem.

It’s a 55-year-old opportunity.

If you’re asking at age 73 whether whole life can eliminate your RMDs, you may already be in r...

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Why Retirement Is Emotional — Not Just Financial Feb 05, 2026

Most people think retirement planning is a math problem.

Run the numbers.
Check the projections.
Hope the markets cooperate.

But after working with hundreds of retirees — and living this journey ...

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Roth Conversion Blueprint for an $850K TSP (Live Demo) Jan 22, 2026

If you’re a federal employee or retiree with a sizable Thrift Savings Plan (TSP), here’s what most people don’t realize: the TSP is excellent at helping you save during your working years, but it d...

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Defuse the Retirement Tax Time Bomb with Ed Slott Jan 08, 2026

When most people think about retirement, they imagine freedom, travel, grandkids, or finally getting to slow down.

But very few are thinking about something far more pressing: The taxes waiting fo...

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