The Second Opinion
Education and Commentary from The Retirement Institute
October 4, 2026
A last-minute conversion is usually not a rushed decision. It is the same decision, finally made mandatory.
October 3, 2026
Spending doesn't move in a straight line through retirement. A withdrawal plan set once doesn't either.
October 1, 2026
Buyers can tell when a seller is on a deadline. Heirs usually learn that at the closing table.
September 30, 2026
The cost-of-living letter arrives every October and lands like a verdict. Here is how to stop guessing at it.
September 29, 2026
One role needs patience across months. The other needs clear judgment in minutes.
September 26, 2026
The spreadsheet says work one more year. The harder question is what that year is really costing you.
September 22, 2026
It reads like boilerplate at signing. Eight months later it feels like a wall.
September 20, 2026
Same income, same accounts, a higher tax bracket. Widowhood changes the math on Roth conversions quietly.
September 18, 2026
An equal share is the amount most likely to disqualify them. The fix isn't leaving less.