Retirement planning resources.
Luparius’s educational resources include videos, four calculators with visible formulas, a free retirement guide for women and widows, articles, and common questions. Use them to organize your thinking—not as personalized advice.
Eight videos, watch pages for each.
Four native educational estimators.
The old third-party calculators no longer load, so we built simple ones with the formulas and assumptions in plain view. Nothing you enter is saved.
- Retirement incomeStarting balance, contributions, growth, and inflation, turned into a level inflation-adjusted income.
- Life insurance needsObligations plus income replacement plus final expenses, less what you already have.
- Sequence of returnsThe same returns in two orders, with the same withdrawals.
- 401(k) planningBalance, salary, contribution rate, employer match, and years to grow.
Women in Transition Guide
Facing divorce, the loss of a spouse, a career change, or starting over? This free, 18-page guide includes 38 questions for your attorney, tax professional, and financial advisor, plus income-planning steps and a worksheet. Complete the short form to unlock your download.
Articles by Keith R. Lamb.
- 401k Concerns
- Is your money in prison?
- Curve Ball
- Hitting a Deer and a Stock Market Crash
- Ticking Tax Time Bomb
- All The Same And All BAD!
Most articles open on LinkedIn, which has its own terms and privacy policy.
Good questions make good starting points.
When should I start planning for retirement?
Start when you begin asking questions about timing, income, or what you want life after work to look like. Earlier conversations leave more room to compare choices, but it is useful to get organized at any stage.
What should I bring to a first conversation?
Bring the questions you have. If useful, you can also have a general picture of income, savings, retirement accounts, debts, and expected retirement timing. Please do not email account numbers or other sensitive information.
How do I know how much retirement income I may need?
Begin with the life you expect to live: regular expenses, housing, health costs, and the things you hope to do. A plan can help explore income sources and assumptions, but projections are estimates, not guarantees.
Can I talk with someone if I am already retired?
Yes. A conversation can help you revisit spending, income, investments, or a life change. Recommendations depend on your circumstances and the services being discussed.
What if I am going through a major life transition?
A transition can change priorities quickly. We can start by listening, sorting out the financial questions in front of you, and identifying what may need attention now versus later.
Does an initial inquiry confirm an appointment?
No. A request is not a confirmed booking. Share your preferred contact method and a date or time range, and Keith will follow up to confirm availability.
What is sequence of returns risk?
It is the risk that poor market returns arrive early in retirement, while you are withdrawing money. The same average return can produce very different ending balances depending on order. The sequence of returns estimator on this site shows the contrast with your own numbers.
Can I use the calculators to decide what to do?
They are educational estimators with stated assumptions. They do not know your taxes, fees, health, or other facts, and they are not advice or a guarantee. Use them to form better questions.
Sources and next steps
Sources and verification
- Social Security: survivor benefit amounts
Survivor and retirement benefits are not simply added together. Eligibility and claiming decisions depend on your circumstances.
- Medicare: long-term care coverage
Medicare does not pay for most non-medical long-term care. Plan separately for help with everyday activities.
- SEC Investor.gov: annuities
Annuities are long-term insurance contracts. Costs, restrictions, and benefits vary; insurer obligations depend on financial strength and claims-paying ability.
These sources provide general education or public records, not an endorsement of Luparius. Luparius is not affiliated with Social Security, Medicare, or the SEC.
Keep exploring
Published by Luparius Asset Management & Brokerage in Park City, Utah. Meet Keith Lamb, President and CEO, and ask about current services, fees, and applicable disclosures.
Educational content, not individualized investment, tax, or legal advice. Calculations are hypothetical; investment results and future income are not guaranteed. Dated videos may not reflect current rules or product terms.