If your FRA monthly benefit is $2,778, for example, waiting until 70 would boost that to $3,575. Starting at 62, though, will result in a monthly payment of just $1,822. The Social Security Quick Calculator can give you a good idea of what claiming benefits early versus waiting until full retirement age (or later) will look like.

Too many retirement plans are built around a single savings target. In reality, longevity, healthcare costs, market volatility, and evolving personal goals demand a far more flexible approach. A durable retirement strategy is not about hitting a number.

President Donald Trump announced a federal savings match plan for private-sector workers during his 2026 State of the Union speech.

The problem with overreliance on Social Security.

Traditional retirement allocation formulas are outdated; equity exposure should be based on income, risk tolerance, and net worth, not just age. Read more here.

Wealthy retirees often diversify beyond traditional retirement accounts by building passive income streams. This might include dividends, rental income, royalties, or income from small businesses that continue to generate cash flow without constant involvement.

View post: Walmart's 5-piece floral comforter set looks 'like something out of a magazine,' and costs just $30 Adoption of retirement income products is increasing, with major record keepers building programs. Infrastructure for connecting retirement plans ...

Realty Income (O) and Enterprise Products Partners (EPD) combine for a 9.6% blended yield. Ares Capital’s 9.95% yield leads the mix. A $150K allocation generates $14,850 annually. The blended