David Reyes

After a decade of negligible yields, a laddered portfolio of Treasuries can once again anchor a retirement paycheck.

The famous withdrawal guideline was never a law. What changes when starting yields are no longer near zero?

Chasing the highest yield is the classic error. A more durable approach starts with the reliability of the payout.

Two portfolios can earn the same average return and end in very different places. Order matters more than most people expect.

At a certain age the government requires withdrawals from tax-deferred accounts. Here is how the mechanism actually works.

Taxable, tax-deferred, tax-free: the sequence in which you draw them down is a lever most retirees leave unused.