An immediate annuity transforms a lump sum into a lifelong paycheck, essentially providing a DIY pension so you can stop stressing over stock market drama.

Markets tend to experience uncertainty leading up to midterm elections, followed by recovery. Canny investors recognize that dip as a tax planning opportunity.

Inflation will cut your purchasing power in half over a long retirement. Simply trying to spend less won't work, so you need a plan that helps your savings last.

Shifting from tax preparation to tax planning can help you strategically time Roth conversions and avoid Social Security taxes or Medicare surcharges.

The growing U.S. deficit can only be controlled by cutting spending, accelerating growth or raising taxes. The latter is a real risk, but you can be prepared.

Whether you're starting your career or nearing retirement, thinking critically about your financial outlook now will help you avoid costly errors in future.