Monte Carlo Retirement Simulation in Excel: How It Compares to Online Tools
Published June 24, 2026Read More →
Financial Planning Articles
Expert insights on retirement planning, tax strategies, portfolio management, and 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, 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, 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, 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, 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, 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, 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, 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 March 21, 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, 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, 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, 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, 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 March 16, 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, 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 April 12, 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 February 6, 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 February 14, 2026Read More →
Social Security Analyzer Guide: Claiming, Taxes & Longevity
Article companion to Praxion's Social Security Analyzer: optimal claiming trade-offs, taxation of benefits, spousal considerations, and pairing with RMD and Roth modeling.
Published January 14, 2026Updated February 14, 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 February 14, 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 February 14, 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 February 14, 2026Read More →
AI in Financial Planning: Real Examples + What It Automates
Where AI agents help with Monte Carlo, tax analysis, and Roth conversion modeling — with real examples from Praxion's retirement engine.
Published January 10, 2026Updated March 21, 2026Read More →
Portfolio Rebalancing in Retirement: Tax-Aware Guide
Rebalance across multiple accounts without triggering unnecessary capital gains — tax-sequencing tactics for retirement portfolios.
Published January 9, 2026Updated January 12, 2026Read More →
Monte Carlo Retirement Simulator: Free Tools & Complete Planning Guide
Free Monte Carlo retirement simulator guide. How simulation works, interpreting success probability, and improving your plan with probability-based modeling.
Published January 8, 2026Updated February 14, 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 February 14, 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 February 14, 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 February 14, 2026Read More →