When it comes to wealth transfer planning, many families stop at a will or trust—but that’s just the beginning. From personal property memorandums to legacy letters and business succession plans, certain overlooked documents can make the difference between conflict and clarity. By updating your estate documents and incorporating these additional tools, you can protect your legacy, reduce disputes, and create a smoother transition of wealth for future generations.

Retirees and those nearing retirement are entering a new economic chapter marked by rising interest rates, which bring both promising opportunity and fresh volatility. It’s the perfect time to revisit your retirement income planning and consider how income streams like Social Security, pensions, investment interest, dividends, and retirement account withdrawals align with higher rates. Using a time-based asset strategy can help segment funds for short-term liquidity, mid-term stability, and long-term growth. Emphasizing diversification across bonds, equities, cash, and real assets can help buffer your portfolio against rate-driven volatility. Careful timing of withdrawals is essential to manage sequence-of-returns risk, while adjusting spending strategies can address inflation and rising borrowing costs. Every retiree’s situation is unique, but with thoughtful strategies, higher rates can be leveraged to enhance retirement resilience.

The SECURE 2.0 Act introduces major retirement plan updates in 2026, including Roth-only catch-up contributions for high earners, mandatory paper statements, and plan amendment deadlines. Discover what these changes mean for your retirement strategy and how to prepare now.

Learn smart strategies to diversify your portfolio and 401(k) across asset types, sectors, and geographies. Understand your risk tolerance and build a balanced investment plan tailored to your financial goals.