For years, retirement was viewed as a finish line - the moment you simply stopped working. But as we navigate 2026, the conversation has changed. Today, "living well" in retirement is less about the absence of work and more about the presence of purpose and peace of mind.
To help you stay ahead, here are three pillars for a successful transition:
By: Sean Taylor, CFP®
Align with the 2026 Financial Landscape
We are entering a year defined by new rules. The IRS has updated contribution limits for 2026 (https://www.fidelity.com/learning-center/personal-finance/retirement/2026-money-moves) to $24,500 for 401(k)s and $7,500 for IRAs, with even higher "catch-up" options for those over 50. Additionally, recent tax legislation has introduced enhanced deductions for those over 60 that can significantly boost your tax efficiency. Leveraging these changes now ensures your "financial house" remains optimized.
Prioritize Predictability: The 1–5 Year Bond Ladder
Market headlines in 2026 continue to buzz about Federal Reserve shifts and global volatility. While growth is important, living well requires a foundation of predictable income. A powerful way to achieve this is by adding a bond ladder to your "cash bucket."
Instead of leaving all your liquidity in a low-interest savings account, you can stagger investments in high-quality bonds or CDs that mature every year for the next five years.
- How it works: You divide your 5-year cash needs into five "rungs." When the 2027 bond matures, you have a fresh stack of cash ready for expenses- regardless of what the stock market is doing.
- The 2026 Advantage: With analysts forecasting shifting yields this year, locking in current rates for the 2-to-5-year range can preserve your income floor even if market rates continue to drop.
Master the Art of "Decluttering"
Living well often means doing less of what drains you. Many retirees in 2026 are adopting a "Non-Resolution" checklist: letting go of obligation-driven gatherings and uninspiring hobbies. By clearing mental and physical clutter, you create space for travel, family, and deep connections.
The Bottom Line
Retirement isn't just about how much you have; it’s about how you use it to fuel a life you love. Let’s make 2026 the year your wealth works for your well-being.
Central Investment Advisors and LPL Financial are not affiliated with or endorsed by the U.S. Social Security Administration or any government agency, and do not specialize in Social Security issues. The Social Security Administration provides free Social Security forms, publications, and assistance. For questions about your Social Security benefits, please contact your local Social Security Office.
This material has been provided for general informational purposes only and is not intended to be a substitute for specific individualized tax or legal advice. Neither LPL Financial, nor its registered representatives, offer tax or legal advice. We recommend you consult with your own tax or legal counsel for advice regarding your specific situation.
Category: Retirement
Investing involves risk including potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. Over time you may earn a lower return from a bond ladder than you from holding only long-term bonds, i.e., bonds that mature in 10 or more years. Concentrating on long-term bonds exposes you to a higher risk of price fluctuations.
CDs are FDIC insured to specific limits and offer a fixed rate of return if held to maturity, whereas investing in securities is subject to market risk including loss of principal.
