Retirement by Age: How Much Do You Need?
Compare illustrative savings targets and calculators for retiring at 50, 55, 60, 62, 65, 67, and 70.
Financial Planning Articles
Expert insights on retirement planning, tax strategies, portfolio management, and more.
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The Retirement Social Shift: How to Plan for Connection After Work
Retirement can change routines and opportunities for connection. Use this evidence-aware guide and printable worksheet to plan for the social side of life after work.
Published October 11, 2026Read More →
2027 Social Security COLA: Official 3.6% Increase — Taxes, IRMAA, RMDs
The official 2027 Social Security COLA is 3.6% — about $75 a month for the average retired worker. Here’s how taxes and IRMAA can affect the raise.
Published October 5, 2026Updated October 14, 2026Read More →
Roth Conversion: All at Once or Spread Over Years? (2026)
Compare converting a $900K IRA in one year against spreading it over twelve — modeled year by year with 2026 brackets, IRMAA tiers, and RMDs.
Published September 30, 2026Read More →
529 Plans for Grandchildren: A Grandparent’s Tax & Legacy Guide
How grandparents can use a 529 as an estate and legacy tool in 2026 — the gift-tax exclusion, five-year superfunding, the SECURE 2.0 529-to-Roth rollover, and the FAFSA change that removed the grandparent penalty.
Published September 18, 2026Read More →
When a Roth Conversion Costs You Money
A Roth conversion can lower your lifetime taxes and still leave your family with less. A plain-English guide to when converting helps — and when it quietly costs you.
Published September 4, 2026Read More →
Retirement Care Costs: What to Expect and How to Model Them in Your Plan
Retirement care costs: 2026 Fidelity healthcare and CareScout LTC benchmarks, assisted living medians, funding options, and illustrative plan modeling. Educational only.
Published July 29, 2026Read More →
AI Agentic Engineering: How Praxion Finance Builds Software
AI agentic engineering and multi-agent fintech development — domain specialists, structured handoffs, parallel build/test/docs, and verification gates at Praxion Finance.
Published July 3, 2026Read More →
Monte Carlo Retirement Simulation in Excel: How It Compares to Online Tools
The formulas, the common pitfalls (volatility drag, IID vs sequence autocorrelation, tax cascade), and when a purpose-built tool answers the question better than your spreadsheet.
Published June 24, 2026Updated July 9, 2026Read More →
What a Tax Optimizer Actually Does (and What It Can't)
The four levers — withdrawal sequencing, Roth conversion timing, capital-gains realization, IRMAA management. The inputs it needs, the outputs it produces, and where it stops being useful.
Published June 24, 2026Updated July 9, 2026Read More →
Why a Market Buffer Matters: Sequence-of-Returns Risk
A 24–36 month market buffer is the simplest, strongest protection against sequence-of-returns risk — the biggest killer of retirement plans. A plain-English explainer with charts.
Published June 11, 2026Updated July 9, 2026Read More →
How to Set Up a Market Buffer in Praxion
A four-step walkthrough to configure sequence-of-returns protection inside your retirement profile — settings, defaults, and how to read the buffer columns in your projection.
Published June 11, 2026Updated July 9, 2026Read More →
The Golden Window: Roth Strategy for High-Net-Worth Retirees
Why high-net-worth households often convert at 32% — not 22% — during the golden window (ages 62–74) before RMDs lock in a permanent tax position. Case studies and year-by-year breakdown.
Published May 27, 2026Updated July 9, 2026Read More →
Am I on Track to Retire? A Self-Assessment for Ages 50–65
Find out if you're on track to retire using age-specific benchmarks for 50, 55, 60, and 65. Includes savings multiples, income replacement targets, and a 5-question self-assessment.
Published May 21, 2026Updated July 9, 2026Read More →
Savings Tracker Guide: Readiness Score, Benchmarks & Gap Actions
How the Praxion Savings Tracker scores retirement readiness using three industry benchmarks — T. Rowe Price age multiples, Fidelity’s 15% rule, and the 10–12× final-salary target — and how to read your score and act on it.
Published April 29, 2026Updated July 9, 2026Read More →
When Is It a Good Time to Retire? How to Know You’re Ready
A practical framework for retirement readiness: money, healthcare, partnership, and purpose—with pitfalls, stress tests, and trusted resources (SSA, Medicare, IRS, FINRA).
Published April 28, 2026Updated July 9, 2026Read More →
Inside Praxion's 5 AI Agents: Tax, Shock, Withdrawal, Data, Critic
Tax Strategy, Shock Simulation, Withdrawal Sequencing, Data Health, and a Critic Agent — what each one watches inside Praxion's retirement engine.
Published March 16, 2026Updated July 9, 2026Read More →
Medicare Advantage vs. Medigap: The Decision That Shapes Your Entire Retirement
A comprehensive guide comparing Medicare Advantage and Medigap plans with an interactive 2-minute decision tool. Includes real cost examples, enrollment window guidance, and expert-sourced data from KFF and CMS.
Published March 10, 2026Updated July 9, 2026Read More →
The Social Security–RMD Collision: How Claiming Age Changes Your Lifetime Tax Curve
A retirement tax simulator showing how Social Security timing, RMDs, and Roth conversions interact to reshape your lifetime marginal tax rate. Includes interactive charts and the Tax Collision Index.
Published March 4, 2026Updated July 9, 2026Read More →
Step-Up in Basis Explained: The Real Estate Tax Strategy Most Retirees Miss
How revocable living trusts, step-up in basis rules, Roth conversions, and asset tax sequencing can reduce lifetime and intergenerational taxes by hundreds of thousands of dollars.
Published March 2, 2026Updated July 9, 2026Read More →
How War Can Impact Your Retirement Plan
A data-backed analysis of how geopolitical conflict reshapes markets, inflation, tax policy, and retirement timing — with four historical case studies and mitigation strategies.
Published March 1, 2026Updated July 9, 2026Read More →
★ Featured
Praxion AI: Redefining Financial Intelligence — From Data to Dialogue
Advanced financial modeling meets conversational AI. Explore retirement projections, tax strategies, Roth conversions, and withdrawal plans by simply asking questions.
Published February 24, 2026Updated July 9, 2026Read More →
Why Fixed Withdrawal Splits Fail Under Real Taxes
Fixed dollar withdrawal splits break under real taxes. See the math and comparison data showing why tax friction forces plans to overdraw brokerage and diverge from the original design.
Published February 14, 2026Updated July 9, 2026Read More →
Early Retirement Roth Conversion Windows: The Hidden Trade-Off
Roth conversion strategy for early retirees: bracket limits, sequence-of-returns risk, and keeping a brokerage volatility buffer for conversion taxes.
Published February 11, 2026Updated July 9, 2026Read More →
Will I Run Out of Money in Retirement? 5 Warning Signs
Discover the 5 warning signs that your retirement plan may fail—with real-world examples showing why average returns, tax cliffs, and static spending assumptions can derail even well-funded plans.
Published February 4, 2026Updated July 9, 2026Read More →
Using AI for Financial Goals: Practical Guardrails & Scenario Modeling
How to use AI responsibly for retirement, budgeting, investing, and tax what-if analysis — pairing automation with Monte Carlo checks, human judgment, and clear data boundaries.
Published January 15, 2026Updated July 9, 2026Read More →
Social Security Benefits Estimator: What You'd Get at 62, FRA, and 70
Estimate your monthly Social Security benefit at 62, full retirement age, and 70. See how claiming age, benefit taxes, and break-even timing change what you keep.
Published January 14, 2026Updated October 8, 2026Read More →
Retirement Drag: Hidden Costs Before Social Security & Retirement
Retirement Drag unpacks the quiet forces — policy, inflation, timing — that can erode future Social Security and savings if assumptions stay static. Framework and stress-test approach.
Published January 12, 2026Updated July 9, 2026Read More →
★ Featured
What Happens If Social Security Is Cut in 2032?
A quantitative scenario analysis of how a potential 23–25% Social Security benefit cut would impact retirement plans in real dollars and portfolio risk.
Published January 12, 2026Updated July 9, 2026Read More →
2026 Retirement Contribution Limits & Tax Bracket Changes
2026 IRS retirement limits: 401(k), IRA, catch-up + SECURE 2.0 Roth catch-up rules, standard deduction and bracket highlights — with planning angles for Roth and RMD timing.
Published January 11, 2026Updated July 9, 2026Read More →
Free AI Financial Planner for Retirement (2026)
How AI plans retirement: Monte Carlo success rates, Roth conversion timing, withdrawal sequencing, and IRMAA — with real examples from Praxion's engine.
Published January 10, 2026Updated July 9, 2026Read More →
Portfolio Rebalancing in Retirement: Tax-Aware Guide
Household-level, tax-aware rebalancing across multiple accounts — with a worked $1.5M example comparing four ways to correct the same drift.
Published January 9, 2026Updated September 9, 2026Read More →
Monte Carlo Retirement Simulation Explained
Free Monte Carlo retirement guide. Learn probability-based modeling, interpret success rates, and stress-test plans beyond average-return forecasts.
Published January 8, 2026Updated October 8, 2026Read More →
Why Most Retirement Projections Are Unrealistic
Learn about the 9 common mistakes that make financial projections unrealistic—and how our tool addresses them with CFP®-grade calculations.
Published January 7, 2026Updated July 9, 2026Read More →
The 4% Rule Explained
What the 4% rule is, when it works, its limitations, and how it compares to dynamic withdrawal strategies for retirement.
Published January 1, 2026Updated July 9, 2026Read More →
Sequence of Returns Risk in Retirement
Why the timing of market returns can matter more than average returns in retirement, and how to protect your plan.
Published January 1, 2026Updated July 9, 2026Read More →