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Investment planning, explained clearly.
— so you can build a plan you actually understand.
Goal-Based Planning
How to set investment goals (retirement, home, education, wealth-building), define time horizons, and translate goals into a practical plan.
Risk & Diversification
Plain-language education on volatility, risk tolerance, diversification, and why spreading risk across assets matters (no product pitches).
Asset Allocation & Portfolios
What asset allocation is, sample allocation concepts by timeline, and how portfolios are commonly structured.
Retirement Planning Basics
Retirement planning building blocks: contribution mindset, account types at a high level, and drawdown basics.
Investment Planning Pros is an
education-first investment planning hub
Helping everyday investors understand how to build a long-term plan with clear goals, sensible diversification, and risk awareness—without hype or stock-picking.
Timing Matters in Retirement: Understanding Sequence-of-Returns Risk
Most people think retirement success depends on earning a decent average return over time. But once you start taking withdrawals, the order of returns can matter just as much—or more—than the long-term average. That’s the heart of sequence-of-returns risk: when poor...
Required Minimum Distributions (RMDs): What They Are, When They Start, and How to Avoid Costly Mistakes
Required minimum distributions—usually called RMDs—are annual withdrawals the government requires from many tax-deferred retirement accounts once you reach a certain age. The point is simple: these accounts gave you years (sometimes decades) of tax deferral, and...
Traditional vs. Roth 401(k): How They Work and How to Choose
A 401(k) is one of the most common ways people save for retirement through their employer. If your workplace offers one, it can be a powerful tool because it makes saving automatic and, in many cases, may include employer contributions. Many plans offer two main...
Active vs. Passive Investing: What They Mean, How They Differ, and How to Choose
Most investing approaches fall into one of two camps: active or passive. People often frame this as a debate—like you must pick a side. In reality, both approaches can play a role depending on your goals, time horizon, costs, and how involved you want to be. This...
What You Should Know About Your Workplace Retirement Plan
A workplace retirement plan can be one of your biggest financial assets—so it’s worth understanding the basics: what kind of plan you have, how you earn benefits, what documents you should review, and what to do if something looks wrong. 1) Know what type of...
IRA Contribution Rules: A Practical Guide to Traditional and Roth IRAs (2025 tax year)
An individual retirement arrangement (IRA) is a personal retirement account that can offer tax advantages, but the rules depend on what type of IRA you use, your income, and whether you (or your spouse) are covered by a workplace retirement plan. 1) The annual...
Selecting Retirement Payout Methods: How to Turn Savings Into a Reliable Paycheck
One of the biggest shifts in retirement is that you stop focusing on “How much have I saved?” and start asking, “How should I take income?” The right payout method depends on your other income sources, your comfort with investment risk, your health and longevity...
Will My Money Run Out in Retirement? A Clear Plan to Make Your Savings Last
A lot of people worry they’ll outlive their money—and the honest answer is: it’s possible if you don’t plan ahead. The good news is that retirement readiness usually comes down to a handful of controllable moves: choosing a target retirement age, setting realistic...
Building Wealth Over Time: A Simple System That Works
Building wealth usually isn’t about finding a “perfect” investment or timing the market. It’s about consistently doing a few unglamorous things well—earning, saving, investing, and protecting your progress—over a long period of time. Time is the multiplier. Below is a...