Retirement

How Age and Retirement Proximity Affect Bond Allocation Decisions

June 5, 2026

As retirement nears, 401(k) participants must prioritize bond allocation decisions. Early in a career, growth may take precedence, but as retirement approaches, it is essential to focus on volatility, income needs, liquidity, and the risk of needing to sell investments during market declines.

Coordinating 401(k) Withdrawals With Social Security and Pensions

Retirement

June 2, 2026

Retirement income usually comes from more than one source. Most retirees receive Social Security, some have pensions, and many rely on 401(k)s, IRAs, taxable investments, or cash savings. The challenge is to bring all these sources together, so you have a clearer, more personal view of your monthly income, taxes, flexibility, and financial risks.

Turning 401(k) Balances Into Monthly Income Streams

Retirement

June 1, 2026

For many people, building up a 401(k) happens gradually, paycheck by paycheck. But once you retire, the real question shifts: how do you turn all those years of savings into a steady monthly income you can count on, while also staying on top of taxes, market ups and downs, living longer than expected, inflation, and the curveballs life can throw?

Considering Behavioral Factors in Debt vs. Saving Decisions

Retirement

June 4, 2026

Financial decisions are more than calculations. The decision to use extra cash for debt, emergency savings, or retirement involves factors like interest rates, returns, and math—but a sharper reality is that math alone is not the full answer.

Understanding the Role of Diversification in Riding Out Market Cycles

Retirement

June 4, 2026

Market cycles challenge even patient long-term investors. When a market segment rises or falls sharply, it’s easy to focus on a single stock, sector, or asset class. Diversification helps you avoid depending too much on one area, though it doesn’t guarantee against losses.

How Time Horizon Influences 401(k) Investment Choices

Retirement

June 4, 2026

Time horizon shapes your 401(k) investment decisions. It gauges how much volatility you can handle, the growth you need, and when you’ll access your retirement savings.