Quick Read The S&P 500 (SPY) fell 14.6% in five days during April 2025. Retirees without cash reserves face forced selling. Debt-free retirees need $160k-$240k in liquid reserves to weather S&P 500 downturns without selling stocks. A bucket strategy allocates cash for year one and bonds like AGG for 1-2 years of expenses. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. Paying off your mortgage and ...

alvaro gonzalez / Getty Images One advisor said clients are looking for tax efficiencies, such as income-producing, tax-deferred accounts. Key Takeaways Two-thirds of financial advisors are changing their retirement investment advice for clients due to a volatile market and economic uncertainty, according to a new report from Alliance for Lifetime Income. Financial advisors are changing their recommendations based on inflation, Social Security and Medicare uncertainty, and cost-of-living concerns. Ad ...