We’re talking about rebalancing! Rebalancing is key to any retirement plan, but how often should we do it? That’s the topic of today’s retirement headlines segment, where we’re going to look at an article by by Jennifer Reed

Key discussion points:

💵 Financial Considerations
💔 Emotional Considerations
🧩 Relational Considerations
📊 A Look at the Numbers

Resource:
Article by Jennifer Reed: Is The Optimal Rebalancing Strategy To Not Rebalance At All? https://www.fa-mag.com/news/is-there-an-optimal-rebalancing-strategy--maybe-82136.html

After that, I answer a listener question: “Could you discuss the financial emotional and relationship issues with disclaiming an inheritance?”

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What are the perceived benefits of moving to a low-tax state in retirement? Is it all it’s cracked up to be?

We’re gonna cover a Wall Street Journal article by Debbie Carlson that delivers an important dose of nuance: “Don’t let the income-tax tail wag the total-spending dog.”

I also answer a very thoughtful question from Lynn about sequence of returns risk, as well as average returns vs order of returns.

Key topics from the article:

🏠 Real Estate & Insurance Can Eat Up the Savings
📊 For Middle-Income Retirees, Sales & Property Taxes Matter More
💵 Homeowners Insurance Is a Big—and Growing—Expense
📚 Don’t Forget State-Level Retirement & Estate Taxes
🧮 Ben’s Take: Look at the Whole Picture

Resource:
Article by Debbie Carlson: https://www.wsj.com/personal-finance/taxes/retirement-low-tax-rate-states-move-cabdb31b

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How do you stay calm and confident when the markets get messy? In today's Retirement Headlines we go through Cullen Roche's article from Discipline Funds - "Finding Certainty in a Sea of Uncertainty".

With tariffs, global uncertainty, and market volatility making headlines again offers nine practical steps to help you stay grounded, focused, and on track with your retirement plan.

The 9 Calming, Confidence-boosting steps the article lays out are:

1. Revisit Your Financial Plan
2. Update Your Estate Plan
3. Consider Tax Loss Harvesting
4. Dollar Cost Average Excess Cash
5. Think in Terms of Time Horizons
6. Stay the Course (If You Can)
7. Talk About It
8. Focus on What You Can Control
9. Go Do "Leg Day"

After that, I answer a listener question: “I’ve been paying $1,600 a year for a $500,000 level term life insurance policy, which runs through 2031. I have two financially stable adult children in their 30s, who are the policy’s beneficiaries, and two grandchildren. Should I keep making the premium payments—or let it lapse?”

Resource:

Article by Cullen Roche: Finding Certainty in a Sea of Uncertainty

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• Work with Benjamin: https://retirementstartstoday.com/start

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Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement

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