Knowledge Base
Clear, in-depth articles on the questions we hear most — retirement income, investing, taxes, and the decisions that shape your financial life.
- 01 Market Resilience
Can My Retirement Plan Survive a Market Crash?
A retirement plan survives a market crash when your income does not depend on selling investments during the decline.
June 4, 2026 Read - 02 Income Strategy
Dividend Income vs Selling Shares During Down Markets
Dividend income can significantly reduce sequence risk in retirement because it allows spending without selling investments during market declines.
June 4, 2026 Read - 03 Retirement Guidance
Do Retirees Still Need a Financial Advisor After Retirement?
Many retirees need guidance more after retirement than before. The challenge shifts from growing investments to managing withdrawals, taxes, and income stability.
June 4, 2026 Read - 04 Retirement Planning
How Do I Know If I Can Safely Retire Right Now?
You can safely retire when your income plan does not depend on market performance during the early years of retirement.
June 4, 2026 Read - 05 Withdrawal Strategy
How Much Can I Withdraw Each Year Without Running Out of Money?
There is no single safe withdrawal percentage that works for everyone. A sustainable withdrawal depends on how your income is structured, not just how much you withdraw.
June 4, 2026 Read - 06 Cash Strategy
How Much Cash Should Retirees Hold?
Retirees should hold enough cash to avoid selling investments during unfavorable markets, not simply a fixed percentage of their portfolio.
June 4, 2026 Read - 07 Tax Strategy
The Most Tax-Efficient Order to Withdraw Retirement Accounts
There is no single withdrawal order that is always most tax-efficient. The optimal sequence depends on income levels, tax brackets, and how different accounts interact over time.
June 4, 2026 Read - 08 Sequence Risk
What Happens If the Market Drops Early in Retirement?
A market decline early in retirement can permanently reduce how long a portfolio lasts, even if markets recover later.
June 4, 2026 Read - 09 Investment Strategy
What Rate of Return Do I Actually Need in Retirement?
Most retirees do not need the highest possible return. They need a return that supports sustainable withdrawals without excessive risk.
June 4, 2026 Read - 10 Retirement Transition
When Should I Stop Accumulating and Start Income Planning?
Income planning should begin several years before retirement, not after it.
June 4, 2026 Read - 11 Retirement Reality
Why Retirees Fail Even With Good Investment Returns
A retirement plan can fail even when investments perform well because returns alone do not determine sustainability.
June 4, 2026 Read - 12 Tax Planning
Why Taxes Matter More After Retirement Than Before
Taxes often have a greater impact after retirement because income becomes optional rather than automatic.
June 4, 2026 Read