Written for the part that comes after saving

Most retirement content is aimed at people still building. These pieces are about what follows — deciding how much you can actually spend, when to claim Social Security, and which goals have a shorter window than your portfolio does.

We publish when there's something specific to say, usually built on primary research rather than a summary of someone else's summary. Every piece shows its sources so you can check them.

Cambridge Advisors is a fee-only fiduciary investment adviser in Omaha, Nebraska, helping clients make thoughtful decisions about investing, retirement, taxes, and the goals their wealth is meant to support.

Some Retirement Goals Have Expiration Dates

Your retirement plan is built to outlast your lifespan. Many of the things you're saving for depend on your healthspan — and in the United States those two numbers differ by about 12.4 years.

How Much Can You Actually Spend in Retirement? (It’s Not 4%)

The creator of the 4% rule now says 4.7%. Morningstar's research says 3.9%. When careful researchers land a full percentage point apart, a rule of thumb stops being an answer and becomes an input.

Beyond Break-Even: The Social Security Tax Window Most Retirees Miss

If you have a million dollars or more saved, a break-even calculator is answering the wrong question. The years between leaving work and claiming may be the lowest-tax window you will ever have.

What a Robo-Advisor Can't Do for Your Retirement

Picture the first real market drop of your retirement. Your robo-advisor rebalances, harvests a tax loss, and sends a clean notification. It doesn't ask whether this year's Roth conversion needs a second look — it wasn't built to.