Oklahoma Retirement Planning

The Hidden Costs of "Buy and Hold" for Retirees Drawing Income

sequence-of-returns risk: While buy and hold works for savers, retirement changes the math. Discover why the order of investment returns can impact your portfolio's longevity once you begin taking distributions.

How Much Do You Really Need to Retire in Oklahoma?

A realistic Oklahoma retirement target starts with your household spending gap, taxes, income sources, and healthcare timeline rather than a generic statewide average. This overview covers how much do you need to reti

How to Build a Tax-Diversified Retirement Portfolio

A tax-diversified retirement portfolio uses traditional, Roth, and taxable accounts to give future withdrawals more than one tax treatment. Coordinating these account types can improve retirement income flexibility, b

Why Retirees Need Three Types of Money: Now, Soon, Later

Retirees can match spending to time horizon by separating portfolio assets into Now, Soon, and Later, helping near-term cash needs, intermediate reserves, and long-term growth play distinct roles. This overview covers

How to Pay for Long-Term Care Without Buying LTC Insurance

Planning to pay for long-term care without insurance requires a deliberate strategy. This guide covers quantifying care reserves, protecting the surviving spouse, and identifying specific assets like HSAs and home equ

Medicare IRMAA: How to Avoid the 'Tax' on High-Income Retirees

Medicare IRMAA is an income-related premium adjustment for Part B and Part D based on a two-year lookback. High-income retirees can manage these surcharges through proactive tax planning.

When Should Retirees Hold Annuities (and When They Shouldn't)

When should retirees hold annuities: Few retirement products create stronger reactions than annuities. For Oklahoma retirees, the decision depends on whether the income floor is met and if the household values risk tr

Sequence-of-Returns Risk: Real Examples From 2000, 2008, and 2022

A retirement portfolio can survive a bad year, but it may not survive a bad year at the wrong time.

How to Calculate Your Social Security Breakeven

Social Security breakeven: Understanding the arithmetic of Social Security claiming ages helps identify when a later, larger benefit surpasses earlier, smaller payments in total value.

Educational Videos

Social Security Planning

Social Security Planning: Understanding Social Security rules is essential for retirement. Navigate complex claiming options, delayed filing advantages, and family dynamics to manage your lifetime wealth.

Navigating Social Security: The Top Five Filing Mistakes You Must Avoid

Understanding the Basics of Social Security: a federal program that provides financial support to retirees, disabled individuals, and their families.

Four Phases of Retirement that aren’t related to finances

Four Phases of Retirement that aren't related to finances: a Perissos perspective on purpose, identity, relationships, and a fulfilling next chapter.

Creating Flexible Income in Retirement

If you saved for retirement in a tax-deferred account, you lowered your taxes in the years you contributed pre-tax dollars. When you get into retirement and sta…

SECURE 2.0 Act Enhancements and the Impact on Retirement Planning

It’s not the most imaginatively named legislation, but the SECURE 2.0 Act does a lot to make it easier to have a successful retirement.

Tax Planning In Retirement

For many retirees, the biggest financial challenge is managing their taxes. Withdrawals from retirement accounts and Social Security can stack up quickly.

5 Mistakes to Avoid When Planning for Retirement

Retirement is a time when most people look forward to relaxing and enjoying their golden years after a long and demanding career.

The Basics of Retirement Budgeting: How to Create a Plan for Your Golden Years

Retirement is a time when you can finally relax and enjoy the fruits of your labor — provided you have a plan to make your savings last.

Stress-Free Transition: Managing Anxiety in the Face of Retirement

Understanding Retirement Anxiety: The Unspoken Stress Retirement is often seen as a time of relaxation and freedom, a reward for years of hard work.

Navigating Pre-Retirement Stress: Effective Strategies for a Smooth Transition

Understanding Pre-Retirement Stress: Causes and Symptoms — a common phenomenon affecting many individuals as they approach the end of their careers.