Retirement Intelligence

Data-Driven Insights
for Your Retirement

Research-backed analysis on withdrawal strategies, tax optimization, Social Security timing, and more — everything you need to make confident retirement decisions.

16 articles·Updated monthly with new research

Put the Research to Work

FuturePath runs 1,000 Monte Carlo simulations on your specific plan — applying the strategies you read about here to your actual numbers.

Data-Driven Insights
for Your Retirement

Asset Location: The Free Return Most Investors Leave on the Table

Spousal and Survivor Benefits: The Social Security Rules Couples Get Wrong

The Guardrails Strategy: A Smarter Alternative to the Fixed 4% Rule

The 4% Rule: Does It Still Hold Up in 2025?

Social Security Timing: The $200,000+ Decision You Can't Undo

Roth vs. Traditional: The Data-Driven Decision Framework

The $345,000 Healthcare Gap: What Retirement Really Costs Medically

Sequence of Returns Risk: Why Your First Decade Determines Everything

The 1% Fee Factor: How Investment Costs Silently Compound Against You

America's Most Retirement-Friendly States: The 2025 Tax Breakdown

Catch-Up Contributions: How to Turbocharge Retirement Savings After 50

Time Beats Amount: The Compound Interest Case for Starting Early

Required Minimum Distributions: A Strategic Guide to Avoiding a Tax Bomb

The Semi-Retirement Advantage: How Part-Time Work Reshapes Your Retirement Math

Monte Carlo Simulation: The Science Behind Retirement Probability

Inflation's Quiet War on Retirement Savings: A 30-Year Projection

Put the Research to Work

Data-Driven Insightsfor Your Retirement

Asset Location: The Free Return Most Investors Leave on the Table

Spousal and Survivor Benefits: The Social Security Rules Couples Get Wrong

The Guardrails Strategy: A Smarter Alternative to the Fixed 4% Rule

The 4% Rule: Does It Still Hold Up in 2025?

Social Security Timing: The $200,000+ Decision You Can't Undo

Roth vs. Traditional: The Data-Driven Decision Framework

The $345,000 Healthcare Gap: What Retirement Really Costs Medically

Sequence of Returns Risk: Why Your First Decade Determines Everything

The 1% Fee Factor: How Investment Costs Silently Compound Against You

America's Most Retirement-Friendly States: The 2025 Tax Breakdown

Catch-Up Contributions: How to Turbocharge Retirement Savings After 50

Time Beats Amount: The Compound Interest Case for Starting Early

Required Minimum Distributions: A Strategic Guide to Avoiding a Tax Bomb

The Semi-Retirement Advantage: How Part-Time Work Reshapes Your Retirement Math

Monte Carlo Simulation: The Science Behind Retirement Probability

Inflation's Quiet War on Retirement Savings: A 30-Year Projection

Put the Research to Work

Data-Driven Insights
for Your Retirement