Retirement Investment Policy Statement: Decision Rules
A retirement investment policy statement connects goals, cash needs and portfolio decisions. Learn what to put in writing before your next review.
Insights
Retirement
Retirement income, Social Security and Medicare timing, RMDs, and the years just before and after you stop working. Claiming early versus late, Roth versus traditional, guaranteed income versus flexibility: these articles lay out the trade-offs so you can decide.
Cash Reserve in Retirement: Plan Before You Sell
Size a cash reserve in retirement around spending, dependable income and known bills. A guide for Houston retirees planning portfolio withdrawals.
Retirement Tax Withholding: A Year-End Review
Retired or retiring in Houston? Review IRA and pension withholding, estimated payments and your household tax picture before choosing a year-end action.
Which Accounts Should You Withdraw From First in Retirement?
Compare taxable accounts, traditional IRAs and Roth IRAs to build a retirement withdrawal order around your income needs, taxes and investment plan.
Roth Conversion and IRMAA: A Houston Retiree's Guide
A Roth conversion can raise Medicare Part B and D premiums, usually two years later. See how IRMAA brackets work and what to review before converting.
Maximizing Social Security Benefits
Compare Social Security claiming choices with your cash needs, health, spouse or survivor benefits, portfolio withdrawals and taxes.
Retirement Planning for Oil and Gas Professionals: Six Decisions to Review
Retirement decisions for energy professionals: review income needs, employer exposure, available benefits and career transitions with Todd Smurl, CFA.
Before You Claim Social Security: What to Consider
What to consider before claiming Social Security: your benefit estimate, work plans, taxes, health and the income needs of your household.
Your Guide to Required Minimum Distributions (RMDs)
When RMDs begin, how IRA and workplace-plan withdrawals differ, and how to coordinate required distributions, taxes and charitable giving.
How Can Working in Retirement Impact Medicare & Social Security Benefits?
Working past retirement age can change your Medicare premiums and Social Security benefits. What to know about earnings limits, IRMAA, and enrollment timing.
Retirement Income Planning: Build a Plan in Four Steps
Build a retirement income plan around spending, Social Security, pensions and portfolio withdrawals, with taxes and changing needs in view.
10 Things To Consider in the Retirement Red Zone
The five years before and after retirement are the retirement red zone, when sequence risk, healthcare, and withdrawals matter most. Ten things to check.
Understanding the Impact of Taxes on Your Retirement
Understand how retirement withdrawals, Social Security and Roth conversions affect taxes, then coordinate those decisions with your investments and spending.
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