About Retirement Wealth Planner
What this site is for
Retirement Wealth Planner is an independent publication about accounts, withdrawal rates, social security timing, taxes, healthcare and the sequence risk that decides whether a retirement plan holds. It exists because the useful version of this subject is usually buried under promotional copy, and because most of the questions people actually have are more specific than the internet's answers.
We publish long-form explanatory articles rather than news. An article here is meant to still be accurate and worth reading a year after it was filed, which shapes what we cover: durable mechanisms and trade-offs rather than announcements.
The site is written for a general reader with no background in the subject and no patience for padding. We assume you are intelligent, busy, and capable of handling a caveat.
What we cover
- Accounts & Vehicles — 401(k)s, IRAs, Roth conversions and where money should sit.
- Withdrawal Strategy — Safe rates, guardrails, buckets and sequence-of-returns risk.
- Social Security — Claiming age, spousal benefits, and the break-even arithmetic.
- Taxes in Retirement — Brackets, RMDs, IRMAA and the order you draw accounts in.
- Healthcare Costs — Medicare, gap years, long-term care and what to reserve.
- Planning & Risk — Inflation, longevity, annuities and stress-testing the plan.
We do not attempt to cover everything. Where a topic sits outside what our writers can report responsibly, we say so and point elsewhere rather than filling the gap with something thin.
How an article gets written
- Commissioning. A topic is chosen because readers ask about it or because the existing published answers are wrong, thin or contradictory.
- Research. Writers work from primary sources wherever those exist — peer-reviewed literature, official guidance, standards documents, manufacturer specifications, statute — rather than from other people's summaries.
- Drafting. Claims are written with their strength attached. "One trial found" and "this is consistently replicated" describe different things and are not used interchangeably.
- Review. Howard Mbeya reads every article before it publishes. Pieces touching health, money, law or physical risk get a second read from whoever on the team is closest to the subject.
- Maintenance. Articles carry the date they were last substantively reviewed, not just the date they first appeared.
How the site pays for itself
Retirement Wealth Planner is funded by advertising. Ad units are served by third-party networks and are labelled where the network's format allows it. We also expect to earn from affiliate links in future; where an article contains one, that will be disclosed inside the article itself, not only in a footer.
No advertiser, network or affiliate partner is shown articles before publication, and none has any input into what we cover or what we conclude. If we ever recommend against something an advertiser sells, that article runs unchanged. Editorial and commercial decisions are made by different people and, where a conflict is unavoidable, editorial wins or the piece does not run.
We do not publish sponsored posts presented as editorial, we do not sell links, and we do not accept payment to review, include or omit a product.
Who writes it
Retirement Wealth Planner is written and edited by a small standing team. Every article carries a byline and links to the writer's background.
Corrections
We get things wrong. When we do, the correction goes on the article itself with the date and a short note explaining what changed — we do not quietly edit a mistake out of existence.
If you have found an error, write to corrections@retirementwealthplanner.com with a link and, if you have one, a source. Substantive corrections are usually made within 3 working days. Typos are just fixed.
Contacting us
Editorial: editor@retirementwealthplanner.com
General and advertising: hello@retirementwealthplanner.com
Privacy and data requests: privacy@retirementwealthplanner.com
Postal address:
Indixital Media
C-56/11, Sector 62
Noida, Uttar Pradesh 201301
India
There is also a contact form, which reaches the same inbox.