Retirement Income Editorial Team
Retirement Income Editorial Team is the collective byline for our editorial team and contributor network. Articles published under this byline or an editorial pen name are researched, written, and reviewed according to our editorial standards for clarity, consistency, and independence before publication.
Annuities in Retirement: Weighing Guaranteed Income Against the Trade-offs
Annuities can provide a guaranteed income floor in retirement, but they come with real costs and limitations. Here is a balanced look at both sides.
Building Passive Income Streams That Can Last Through Retirement
Explore practical, education-focused approaches to generating passive income in retirement, including dividends, rental income, and annuities.
Coordinating Social Security, Pensions, and Investment Income for a Stable Retirement
Learn how to layer multiple income sources so they complement each other, reduce sequence-of-returns risk, and support a stable standard of living in retirement.
Making Your Retirement Savings Last: A Step-by-Step Drawdown Framework
A practical framework for deciding which accounts to draw from first, how to sequence withdrawals, and how to adjust your plan as circumstances change.
Pension vs. 401(k): Understanding the Core Differences in Retirement Plans
Defined benefit pensions and 401(k) plans work very differently. Here is what each one promises, who bears the investment risk, and how to plan around each.
Retirement Income Explained: What It Is and Where It Comes From
Understand the main sources of retirement income, from Social Security to pensions and investments, and how they work together to fund your later years.
Retiring on a Defined Benefit Pension: What You Still Need to Plan For
A pension covers some ground, but not all of it. Understand the gaps in healthcare, inflation protection, and survivor benefits you may still need to address.
Social Security Benefits: A Plain-Language Guide for Pre-Retirees
Learn how Social Security benefits are calculated, when you can claim them, and how your claiming age affects your monthly payments for life.
The Four Percent Rule and Other Withdrawal Strategies
What is the four percent rule, where did it come from, and is it still a reliable guide for how much you can safely withdraw from savings each year?