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457(b) research

457(b) vs 401(k): Can You Retire Seven Years Early?

Two people can save the same money and end up with the same portfolio balance. One retires at 52. One has to wait until 59½. The only difference is which account the money went into.

Refinedfi

23 min read

457(b) vs 401(k): Can You Retire Seven Years Early?

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HSA vs Roth IRA: Where Should Your Next Retirement Dollar Go?

Want a retirement edge most people miss? The HSA can beat the Roth IRA, if you know three rules. See the 2026 math.

10 min read

Does Your Bond Fund Need Ozempic?

The best bond funds for retirement are usually active, flexible funds, not debt-weighted indexes. Refined FI weighs inflation and stock-bond correlation first.

11 min read

Retirement Income Sources: More Than Stocks and Bonds

Retirement income sources that behave differently in difficult markets. Most portfolios are built to grow wealth. This one was built to distribute income.

7 min read