Between industry news and personal experience.

Whether you are already retired or just beginning to consider your retirement years, the question "Will I outlive my money" is most likely a top concern.

How much do you need for retirement? Well, investment research firm Morningstar has a handy but somewhat scary stat: $1.18 million. Using average annual returns of 6 percent and pegging inflation at 2.5%, Morningstar calculates that’s the amount of savings needed to achieve $40,000 per year in annual income for 30 years.

Expanding your portfolio beyond the traditional 60/40 allocation can help lower volatility even through market downturns and keep you on track with the income you need in retirement.

Estate planning is about protecting the people you love after you’ve gone, and leaving a legacy so that you can continue to provide benefits for charities or causes you care about. We’ll discuss what a charitable remainder trust (CRT) is, how it performs as an income generation tool and how it becomes a lasting legacy.

Minimizing taxes in retirement is just as important as it is during your working life – but since the source of your income has changed, you need to deploy different strategies. We’ll take a look at what assets are taxed and how a thoughtful plan that incorporates timing your social security withdrawals and paying attention to how you rebalance your portfolio can reduce them.

You’ve been saving and investing diligently and now retirement is finally here. You may be at the end of the working stage of your life, but the investing stage continues. Since you don’t have time to recover from big market drops, and a lowering of portfolio values may impact your income stream, avoiding volatility is one of the keys to preserving your assets.