Tip: Review Your Beneficiary Designations Every Year
Beneficiary designations override wills for retirement accounts and insurance. Review them annually and after every life change to make sure assets go where you intend.
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Tip: The 4% Rule Is a Starting Point, Not a Final Answer
The 4% rule is a historical reference point, not a guaranteed withdrawal rate. Your time horizon, portfolio mix, and guaranteed income all affect what rate is appropriate for you.
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Released: The Long-Term Care Planning Guide
The Long-Term Care Planning Guide covers care costs, self-funding, insurance options, hybrid products, and the family conversations that good planning requires.
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New Resource: Roth Conversion Strategy Guide for Pre-Retirees
The Roth Conversion Strategy Guide covers tax bracket management, Medicare premium impacts, multi-year conversion planning, and the estate planning case for Roth assets.
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Why I Built RetirementReady After 28 Years in Financial Planning
A client question about Social Security strategy inspired Henry Wellington to build RetirementReady. Independent retirement planning education with no products to sell.
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Medicare in 2026: Key Changes Every Retiree Should Know
Medicare 2026 key changes: Part D out-of-pocket cap implementation, Medicare Advantage network trends, and Medigap premium increases. Review your coverage at Annual Enrollment.
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When to Claim Social Security: The Framework That Actually Helps
Social Security claiming is longevity insurance, not just a break-even calculation. Health, marriage, survivor benefits, and tax situation all belong in the framework.
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Estate Planning in Retirement: The Essentials Everyone Needs
Estate planning essentials for retirees: core documents, beneficiary designation review, when trusts make sense, and the family conversation that makes the plan work.