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You Are Ready to Actively Track and Evolve Your Financial PlanRetiring like an adult doesn’t mean setting your plan once and forgetting about it—it means staying engaged and adapting as life unfolds. Markets change, expenses shift, goals evolve, and unexpected events happen. A solid retirement plan isn’t static; it’s a living framework that needs regular check-ins and thoughtful adjustments. Tracking your income, spending, investments, and risks helps you stay in control and make informed decisions rather than emotional ones.Tools like Boldin make it easier to see where you stand, test...

You Can Evolve Your Asset AllocationRetirement investing is not all about getting the highest return possible. A responsible retirement investment plan matches how and when you need to access the money with your need for growth and security.And, just because you’ve retired doesn’t mean your investment strategy is set in stone. Adjusting your asset allocation over time is a smart, adult move that helps balance growth, income, and risk throughout retirement. Early on, you may want a more growth-oriented mix to keep up with inflation and support a longer time horizon. As you age, gradually...

You Have a Plan for Potential RisksWe can not predict the future. However, an adult retirement plan is one that mitigates the potential harmful financial effects of a long term health event, a natural disaster, a car accident, a stock market crash, or some other unknowable future event.Having the right insurance products and a dedicated emergency fund can protect you.

You Are Ready for Healthcare CostsMedicare isn’t free, and out-of-pocket healthcare costs in retirement can be staggering. From premiums and prescriptions to deductibles and dental, the expenses add up quickly—and that’s before factoring in the potential need for long-term care. A Health Savings Account (HSA), supplemental insurance, and long-term care planning are critical tools in protecting both your health and your finances. Long-term care, in particular, is one of the biggest financial risks retirees face, and it’s often overlooked until it’s too late. No one likes thinking about it, but...

You Understand How Personal Finance Works (and Use the Right Tools for Making Good Decisions)Retiring like an adult means bringing your financial know-how into this next phase—and recognizing when the right tools can make all the difference. You understand the fundamentals: budgeting, investing, taxes, risk, and the importance of cash flow. But retirement adds new layers of complexity, from figuring out the best withdrawal strategy to balancing guaranteed and flexible income.That’s where Boldin comes in. It’s not about handing over control—it’s about having a clear, personalized view of your...

You Have Planned for InflationInflation right now is still high and you are probably smarting at the now infamous “cost of eggs.”High inflation can have a devastating effect on your retirement spending power. As Sam Ewing said:

“ Inflation is when you pay fifteen dollars for a ten-dollar haircut you used to get for five dollars when you had hair .”Sam Ewing

When you are working — your wages generally rise as the costs of goods and services increase. Your earnings “keep pace with inflation,” so normal inflation is not generally quite as big of a big concern as it is in retirement. In...

You Have Paid Off High Interest DebtOne of the greatest threats to retirement today may not be saving too little, but owing too much.After making real progress against debt during the pandemic, consumer debt is at an all time high. Total household debt rose to $18.036 trillion in the fourth quarter of 2024, according to Federal Reserve data. And, the share of current debt transitioning into delinquency increased for nearly all debt types .The most adult way to handle debt is to pay it off before you quit working. However, that is not always possible and carrying some mortgage debt (at a low...

You Think in Terms of Income, Not AssetsUnderstanding how much savings you need is useful, but thinking in terms of income—not just assets—is the key to a secure and confident retirement.That means balancing guaranteed income—like Social Security, pensions, and annuities—with flexible income from investments, dividends and other withdrawals from savings, part-time work, or rental properties.

Ideally, you have guaranteed income to cover essential expenses, providing stability no matter what the markets do. It provides a foundation for your basic needs, ensuring peace of mind.
Flexible...

You  Understand Your Chance of Retirement Success It’s good to know your number, but what’s really important is feeling confident that your plan is going to work. Are you on track to cover your needs for as long as you live? Are you safe from running out of money in your 80s or 90s?This is where Boldin’s Chance of Success Score comes in. It’s a simple but powerful metric that uses sophisticated Monte Carlo analysis to show your retirement plan's likelihood of going the distance.Think of it like a financial weather forecast—if your score is high, you can retire confidently. If it’s low, you’ll...

You Know Your Number How much do you need in savings to retire comfortably? Your “number” isn’t just a guess or even a quick calculation—it’s based on:

Your expected lifestyle, spending habits, and necessary expenses (and how they will change over time – here are 9 tips for predicting your retirement expenses)
Expected income sources (and how those will change over time)
Assumptions around asset appreciation, inflation, your longevity, and so much more (and predicting a range of possible outcomes of those known unknowns)

Your number will be unlike anyone else’s. It’s possible to retire...

You Have a Dream and a PurposeWithout a plan for life after retirement, many retirees find themselves feeling vaguely unfulfilled and restless. You might feel something akin to teenage angst – craving something more but not knowing what that something might be.Focusing on the financial aspects of retirement is important, but the personal side of your retirement plan is even more critical, and could ultimately guide how you use your retirement assets.