Learn how to prepare your retirement plan for a market downturn by building spending flexibility, balancing investments, and stress-testing your plan for poor market conditions.

Learn how pausing retirement contributions can affect long-term savings, employer matches, and retirement outcomes. The article also explains how to test lower contributions before making a change.

This article explains how to interpret a retirement plan’s Monte Carlo probability of success. A 90% success probability can represent a strong plan, but the number should not be treated like a simple grade.

The widow’s penalty can seriously affect a surviving spouse’s retirement plan. It is not a separate tax, but a financial disadvantage that can occur when one spouse dies and the survivor has less household income while facing less favorable tax and Medicare rules.