Guide
Pensions and Retirement
Pensions can provide valuable lifetime income, but retirement planning works best when public benefits, employer plans, personal savings, taxes and withdrawal choices are considered together.
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MarketReview author profile
Robert Paulsen
Personal Finance Writer
ActiveRobert Paulsen has spent more than a decade writing about the financial choices people make in everyday life. His work covers income, spending, saving, debt and long-term goals, with close attention to the circumstances that can make the same advice sensible for one household and unsuitable for another.
Personal finance is often reduced to slogans: spend less, save more, avoid debt, follow a fixed rule. Robert looks beyond those formulas. He examines the trade-offs behind a decision, the priorities it serves and the costs or constraints that may not be obvious at first glance.
At MarketReview, his articles are intended to help readers organise choices around their own needs rather than an idealised financial plan. He does not treat good personal finance writing as a list of instructions; he treats it as a way to make the reasoning behind competing options clearer.
Areas of coverage
- Personal finance
- Income and spending
- Saving
- Debt
- Retirement planning
- Insurance
- Mortgages
Published work
Latest work by Robert Paulsen
News, analysis and evergreen financial guides credited to this author.
Guide
Annuities and Retirement
Annuities can convert part of your savings into predictable retirement income, but the value of that guarantee depends on the contract, its costs and the flexibility you give up.
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Guide
Projecting Your Retirement Income Needs
A realistic retirement-income target starts with the spending you expect to support, then accounts for taxes, inflation, health costs, reliable income and the years your savings may need to last.
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Guide
Portfolio Management For Retirement
Retirement portfolio management is about balancing growth, liquidity and risk while coordinating withdrawals, rebalancing, taxes and costs.
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Guide
Money Management in Retirement
Retirement money management is about coordinating spending, reliable income, cash reserves, investments, taxes and major financial decisions so that today’s choices do not undermine future flexibility.
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Guide
Rental Properties
Rental property can build wealth through cash flow, debt paydown and appreciation, but the economics only work when rent, financing, expenses, reserves and operating risks are evaluated together.
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Guide
Personal Real Estate
Buying a home, keeping a second property or continuing to rent all involve different trade-offs in cost, flexibility, equity, financing and risk.
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Guide
The Real Estate Market
Real estate prices are shaped by local supply, demand, financing and location, which is why national housing headlines rarely tell the whole story.
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Guide
Using Mortgages to Pay Down Other Debt
Using home equity to consolidate higher-cost debt can reduce interest or ease monthly cash flow, but the result depends on loan costs, repayment term and the risk of putting your home behind debts that were previously unsecured.
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