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To build on our discussion of the white paper by Surya Kolluri, Olivia S. Mitchell, and Nikolai Roussanov (see the blog post "Navigating the Longevity Revolution"),  here is a detailed breakdown of the "Silver Dividend" strategy and a summary of the specific policy recommendations for employers. The "Silver Dividend" Strategy: Turning Longevity into Growth As global populations age, there is a risk of lower economic growth due to a shrinking workforce and lower capital accumu

The global demographic landscape is undergoing a profound transformation. According to a recent working paper by Surya Kolluri, Olivia S. Mitchell, and Nikolai Roussanov , the United Nations forecasts that the global population of older adults will reach 1.6 billion by 2050 —double the number recorded in 2021. This shift is not merely a matter of numbers; it represents a fundamental change in how societies must approach the intersection of health, wealth, and work in later li

New Trump Account The IRS and Treasury Department recently released Notice 2025-68 , detailing the upcoming regulations for Trump Accounts , a new tax-advantaged savings vehicle created by the One, Big, Beautiful Bill Act (OBBBA) . Designed as specialized Traditional IRAs for individuals under the age of 18, these accounts feature unique contribution rules, investment mandates, and government incentives intended to build long-term wealth for the next generation. Below is a su

It is Medicare open enrollment, and that brings out the fraudsters. Medicare fraud and abuse are serious issues that impact the healthcare system and beneficiaries. Proactive vigilance is essential for protecting your benefits and personal information. Protect Your Information and Claims To help spot and prevent Medicare fraud and abuse, adopt the following practices: Secure Your Data:  Always protect your Medicare card, Medicare Number, and other personal identifiers. Never

2026 Cost of Living Adjustments for Retirement Savings

Optimizing your Social Security Benefits

Determining how much you need to save for retirement is a complex question with no single answer. Your ideal retirement savings depend on various factors unique to your situation.

The 4% withdrawal rule explained

You've probably spent more time planning a two-week vacation than you have for your retirement, even though retirement could last 30 years or more. Planning can feel overwhelming, but these five steps will help you prepare for a successful transition.

Appreciating Stock This article provides a high-level overview of Net Unrealized Appreciation (NUA) and its potential benefits. For a more in-depth analysis, I recommend reviewing Michael Kitces's comprehensive article on the topic. What is NUA? NUA is a potentially valuable tax planning opportunity that arises when you hold individual company stock within your 401(k) plan . When you contribute to your 401(k) and purchase company stock, the initial amount you invest is known

People are living longer and doing more in their retirement years. Having a sound income strategy in place can help you enjoy those years with confidence.

Various strategies exist in retirement planning to manage income streams. One established method is the "bucket strategy," which involves...

Many individuals experience a period of lower tax liability during retirement, particularly before the onset of Required Minimum...

Why do so many people want to get money into a Roth IRA? The primary appeal of a Roth IRA lies in its provision for tax-free qualified...

Building an Investment Portfolio for Income in 2025 Creating an investment portfolio focused on generating income can be a smart strategy...

Roth VS Traditional IRA which Road to Take Individuals have many options when saving for retirement. What type of account to contribute...

When I was conducting financial education seminars for employers offering 403b plans to their employees, one slide always caught the...

What is the Income-Related Monthly Adjustment Amount (IRMAA), and how does it work? It is an income-based table used to adjust Medicare Part B and Part D prescription drug coverage premiums. The higher a beneficiary’s range of modified adjusted gross income (MAGI), the higher your premium or IRMAA. There are different scales depending on your filing status. There is a 2-year look back at income to determine your IRMAA. This is sometimes confusing when looking at the scale. Yo