June 1, 2026
Sequence of Returns Risk: What It Is, Why It Matters, and How to Plan Around It
Learn what sequence of returns risk is, why early retirement losses hurt more, and how to build a plan that helps manage it.
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Articles published to Back40 Financial through the shared VOOV Sites adapter.
June 1, 2026
5 Questions to Ask Any Financial Advisor Before You Hire Them
Ask these five questions before hiring a financial advisor so you can compare fees, services, credentials, conflicts, and overall fit.
June 1, 2026
What Happens to Your Social Security When Your Spouse Dies?
Learn how Social Security survivor benefits work for spouses, when income changes, and which filing choices can raise or reduce the check.
May 26, 2026
Roth Conversions Before 73: A Step-by-Step Planning Guide for Pre-Retirees
Learn how to plan Roth conversions before age 73, manage taxes and Medicare, and build a year-by-year strategy for retirement.
May 4, 2026
When Should I Take Social Security? 4 Variables That Change the Answer
The best age to claim Social Security depends on health, income needs, work plans, and spousal rules. Learn the four variables that matter.
May 4, 2026
What Actually Happens to Retirement Accounts When Someone Dies Without a Plan
Learn what usually happens to retirement accounts when someone dies without a plan, from beneficiaries and probate to taxes and delays.
May 4, 2026
The Assets-by-Purpose Framework: A Complete Guide to Organizing Retirement Money
Learn how an assets-by-purpose framework organizes retirement money for income, taxes, risk, and flexibility.
May 4, 2026
Have You Built a Retirement Plan — or Just Collected Accounts?
A retirement income plan audit reveals whether your accounts work together for income, taxes, and risk, or if you have simply collected them.