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The 2027 Social Security COLA looks bigger. It still won't be enough.
Retirement Planning·8 min read

The 2027 Social Security COLA looks bigger. It still won't be enough.

Early estimates put the 2027 Social Security COLA near 3.7% to 3.8%, a full point above 2026. But rising Medicare premiums and the price of essentials keep eating the raise. Here is what affluent families should actually plan around.

Jul 24, 2026Read Article →
Fixed Index Annuities vs. CDs: Growth, Tax Treatment, and Lifetime Income Compared
Retirement Planning·15 min

Fixed Index Annuities vs. CDs: Growth, Tax Treatment, and Lifetime Income Compared

CDs looked attractive when rates hit 5% in 2023. Now they are declining, and retirees who parked savings in them are facing reinvestment risk with no income guarantee. A Fixed Index Annuity offers index-linked growth with a zero-loss floor, tax-deferred compounding, and the one thing a CD will never provide: income you cannot outlive.

Jul 15, 2026Read →
Why 1 in 5 Gig Workers Is Over 55 — and What That Tells Us About Retirement Accounts
Retirement Planning·14 min

Why 1 in 5 Gig Workers Is Over 55 — and What That Tells Us About Retirement Accounts

More than 20% of full-time gig economy workers in America are over the age of 55. Most of them had 401(k)s, IRAs, or pension plans. The problem is not that they never saved — it is that the money ran out. Here is the math on why a retirement account is not the same thing as retirement income.

Jul 10, 2026Read →
Fidelity, Vanguard, and BlackRock Are Putting Annuities Inside Your 401(k). Here's What That Tells You.
Retirement Planning·9 min

Fidelity, Vanguard, and BlackRock Are Putting Annuities Inside Your 401(k). Here's What That Tells You.

The three largest names in retirement money are quietly adding guaranteed lifetime income to their flagship 401(k) products. Here is what they are really admitting, and where the in-plan version still falls short.

Jun 14, 2026Read →
Annuity sales hit a record $464 billion. Here's why.
Retirement Planning·9 min

Annuity sales hit a record $464 billion. Here's why.

Annuity sales just hit a record $464.1 billion as 4.1 million Americans turn 65 every year. Indexed products are now nearly half the market. Here is what the Peak 65 generation understands that the naive headlines miss about protected lifetime income.

Jun 12, 2026Read →
You've Spent 30 Years Building It. Here's Why a Fixed Indexed Annuity Might Be the Safest Place to Put It.
Retirement Planning·15 min

You've Spent 30 Years Building It. Here's Why a Fixed Indexed Annuity Might Be the Safest Place to Put It.

TSP and 401(k) savers who are skeptical about FIAs are usually skeptical for one reason: they've never had it explained clearly. Here is what $128 billion in annual sales, a zero-loss floor, and guaranteed lifetime income actually look like.

Apr 4, 2026Read →
Social Security in 2026: What the Latest Changes Mean for Your Retirement Plan
Retirement Planning·5 min

Social Security in 2026: What the Latest Changes Mean for Your Retirement Plan

Social Security just changed again. Benefit adjustments, full retirement age shifts, and new income rules are reshaping when and how Americans should claim. Here is what you need to know.

Apr 3, 2026Read →

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