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Stay informed with our latest articles on retirement planning, annuities, and financial security.
70% of Americans who turn 65 will need some form of long-term care — at an average cost of $9,700/month for a nursing home in 2026. We ranked 5 LTC coverage options (traditional insurance, hybrid policies, short-term care, Medicaid planning, and self-insuring) by cost, flexibility, and who each is right for.
The best Medicare Part D drug plans in 2026: Humana Walmart Value Rx for lowest premium, UnitedHealthcare AARP MedicareRx Preferred for specialty drug coverage, and SilverScript SmartRx for the best value balance. We ranked 6 plans by premium, deductible, CMS Star Rating, and formulary strength — plus a 3-step guide to choosing right.
Your Social Security benefit is based on your 35 highest-earning years, adjusted for inflation, then run through a progressive formula called the PIA calculation. Understanding how this formula works — and the decisions that change it — can mean hundreds of dollars more per month for the rest of your life.
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