Author: Ken Fisher, Special to USA TODAY

Considering various risks shows why bonds alone rarely are best for retirement cash flow.

Reverse mortgages can be attractive. You can unlock cash from your home without selling. But beware. This is a loan using home equity as collateral.

Annuities are usually marketed as safe investments, with guaranteed income. Most buyers never see the truth.

Major trends are global. If you understand this, then you understand why and how what goes on overseas affects you directly here at home.

Bull markets don’t die of old age. They die when over-the-top expectations spur investors to overpay for stocks or when a shock causes recession.

Someday you may need to sue someone, and you’ll need a good lawyer with the right experience. Here’s how to find one.

Fact: Retirement saving is simple, like losing weight. Sadly, like with shedding pounds, most people just won’t do it.

HSAs are tax deferred, and you can invest the funds. Growth isn’t taxed, and withdrawals used for qualified medical expenses aren’t taxed.

The financial industry bombards us with complicated analysis and unnecessarily intimidating jargon. How can you simplify it to what matters?