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Retirement Researcher

Retirement Researcher

Publication
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Retirement income research distilled into practical strategies for households.

Recent Posts

Creating an Income Floor with Contractual Income
News•Feb 27, 2026

Creating an Income Floor with Contractual Income

Retirement income can be built either on market‑driven withdrawals or on contractual cash flows that are guaranteed by law. The article outlines the three primary sources of contractual income—Social Security, bond ladders, and lifetime annuities—and explains how each fits into an income‑floor strategy. By allocating a portion of assets to contracts, retirees can protect essential expenses while allowing the remaining portfolio to pursue growth and discretionary spending. Annuities receive particular focus for their ability to pool longevity risk and provide payments that outlast a fixed‑term bond ladder.

By Retirement Researcher
Why Your Average Tax Rate Doesn’t Tell the Real Story in Retirement
News•Feb 20, 2026

Why Your Average Tax Rate Doesn’t Tell the Real Story in Retirement

Retirees often rely on their average tax rate, but it only reflects past taxes and can mislead future planning. The critical metric is the effective marginal tax rate, which captures the cost of the next dollar of income from withdrawals,...

By Retirement Researcher
Retirement Tax Planning Is About Managing Tradeoffs, Not Following Rules
News•Feb 13, 2026

Retirement Tax Planning Is About Managing Tradeoffs, Not Following Rules

Retirement tax planning is less about rigid rules and more about managing timing trade‑offs over a lifetime. The article stresses that focusing on minimizing taxes in a single year can increase total tax burden due to higher effective marginal rates,...

By Retirement Researcher
Why the 4% Rule Is a Starting Point, Not a Plan
News•Feb 6, 2026

Why the 4% Rule Is a Starting Point, Not a Plan

Retirement planners have long relied on the 4 percent safe‑withdrawal rule, which suggests taking 4 % of a portfolio in the first year and adjusting for inflation thereafter. The article explains that the rule’s appeal rests on historic U.S. market performance, low...

By Retirement Researcher