Wade Pfau | GOBankingRates

Wade D. Pfau, PhD, CFA, RICP® is the founder of Retirement Researcher, an educational resource for individuals and financial advisors on topics related to retirement income planning. He is a co-founder of the Retirement Income Style Awareness tool and a co-host of the Retire with Style podcast. He also serves as a principal and the director of retirement research for McLean Asset Management. He is a professor of practice at the American College of Financial Services and past director of the Retirement Income Certified Professional® (RICP®) designation program. He holds a doctorate in economics from Princeton University and has published more than sixty peer-reviewed research articles in a wide variety of academic and practitioner journals. Wade’s newest book is Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success.

Education

Doctor of Philosophy in Economics, Princeton University
Master of Arts in Economics, Princeton University)
Bachelor of Science in Economics, Political Science and History, University of Iowa

Accolades

InvestmentNews Power 20 (2013), inaugural 40 Under 40 (2014), Investment Advisor 35 list (2015), chosen as one of the Icons and Innovators by InvestmentNews (2016)
Two-time winner of the Journal of Financial Planning Montgomery-Warschauer Editor's Award
Two-time winner of the Academic Thought Leadership Award from the Retirement Income Industry Association
Best Paper Award winner in the Retirement category from the Academy of Financial Services

Expertise in

Retirement income planning
Withdrawal strategies
Social Security optimization
Asset allocation
Annuities
Reverse mortgages
Tax planning in retirement
Sequence of returns risk
Portfolio management

The key to saving for retirement is to start as early as possible and automate contributions.

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Why Experts Say a Roth 401(k) Could Supercharge Your Retirement

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Warren Buffett Says You Should Invest When the Market Is Down -- Here's Why

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Is Your Retirement Plan Broken? Suze Orman Has Advice on How To Fix It

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The Overlooked Difference Between Your Credit Score and Credit Report

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Most Experts Say Buy Index Funds. Charles Payne Says Do This Instead

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Tony Robbins vs. Dave Ramsey: Whose Financial Advice Is Best in 2025?

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Here's Why It Takes More Than Hard Work To Get Rich, According to Kevin O'Leary

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Mark Cuban's Top 5 Tips That Will Save Retirees From Financial Disaster

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George Kamel: The Budgeting Habit That Took Me From Debt to Millionaire in 10 Years

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Humphrey Yang: Avoid These 3 Mistakes To Become Part of the Top 10%

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Dr. John Delony: Financial Control Is Abuse -- Here's What To Do About It

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Rachel Cruze: 8 Ways To Lower Your Essential Costs

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This Tax Confusion Could Be Costing You Money -- a CFP Explains How To Fix It

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Suze Orman: You Can't Afford To Make These 4 Money Mistakes

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I Paid Off $300K in 3 Years -- Here's How I Did It

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Dave Ramsey's vs. Warren Buffett's Advice on 4 Key Financial Topics

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The One Step Many Miss When Creating a Money Plan

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Rachel Cruze Reacts to 8 Creative Side Hustles for Extra Cash

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Pre-Tax vs. Roth: Why This One Retirement Decision Confuses So Many People

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I'm a Financial Advisor: My Clients Who Retire Early All Do These 3 Things

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Social Security's Biggest Lie: Why 'Full Retirement Age' Isn't What You Think

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I Was a Millionaire by 26: 3 Money Rules Every Young Person Should Know

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5 Smart Ways To Use Your Tax Refund -- and 3 Costly Mistakes To Avoid

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5 Hidden Money Leaks Draining Your Wealth, According to Jaspreet Singh

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10 Times Dave Ramsey and Suze Orman Gave Totally Different Money Advice

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Rachel Cruze Exposes 6 Money Hacks That Actually Hurt You

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Could Bitcoin Investing Ever Win Over Dave Ramsey?

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3 Smart Moves for Investors Worried About Buying at the Top

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Hate Your Job? Here's How To Switch Without Losing Your Mind -- or Your Money

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Here's How Much You Need To Retire With a $100K Lifestyle

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3 Simple Steps To Slash Your Spending Today, According to Barbara Huson

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3 Investing Myths That Could Be Costing You Thousands in 2025

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Robert Kiyosaki: Top 5 Money Habits of People Who Retire Early

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Day 2

Dave Ramsey Says This is the Best Way to Pay Off Debt

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Day 3

Rachel Cruze: The Real Reason Couples Fight About Money

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How Do You Know When You're Financially Ready to Have a Child?

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Here's Why Gen-Z Is Embracing Frugal Living According to Brian Jung

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Day 6

Why Experts Say a Roth 401(k) Could Supercharge Your Retirement

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Day 7

4 Moves to Make if You Can't Pay All Your Bills this Month

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Day 8

Frugal Living Expert: Here's How I Save Hundreds per Month, One Expense at a Time

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Day 9

Here's How to Build an Emergency Fund Without Blowing Your Budget

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Day 10

How Happy Couples Handle Money -- Even When They Disagree

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Day 11

3 Best Ways To Prioritize Your Savings Goals

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Day 12

One Simple Fix for All Your Budget Problems from a Frugal Mom

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Day 13

Here's Why You Always Want to Know Your Net Worth, According to a Financial Expert

A top financial expert explains how to calculate your net worth, and why this number can reveal more about your money than you think.

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Day 14

Here's How to Avoid a Huge Tax Bill After a Successful Side Gig

Millions of Americans are freelancing. The extra income is great, but many gig workers get a rude awakening come tax season. Here's how to avoid that.

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Day 15

6 Hidden Costs of Homeownership That Can Wreck Your Budget

Think your mortgage is the biggest expense? A top finance expert reveals the hidden homeownership costs that could wreck your budget.

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Day 16

Avoid These 4 Common Mistakes When You Get Rich Overnight

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Day 17

The One Loan That's Almost Guaranteed To Deliver Financial Disaster

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Day 18

The One Habit Keeping You in Credit Card Debt, According to Liz Claman

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Day 19

How To Start Investing With Less Than $1,000

A financial expert explains how to limit risk and grow your money with simple, automated steps -- and as little as $1.

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Day 20

The One Investment Barbara Corcoran Says She'll 'Never Sell' -- and Why

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Day 21

Why You Should Start Investing Now (Even If You Only Have $10)

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Day 22

Key Signs Your Credit Card Is Quietly Wrecking Your Finances

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The Most Common Retirement Mistake, According to an Expert

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2 Reasons It Might Not Make Sense to Pay Off Your Mortgage Right Away

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Day 25

3 Reasons Bitcoin Is 'Digital Gold,' Says Investing Expert

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Multi-Millionaire Says Timing the Market is Impossible - Here's What You Should Do Instead

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'5 Ways 'Loud Budgeting' Can Make You Richer, According to Vivian Tu

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Read Full Answer

Day 28

3 Questions You Must Ask Before Tapping Into Your Home's Equity

For many homeowners, the equity they've built can be a source for funding their lives. But before you do it, ask yourself these 3 questions.

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Day 29

Mark Cuban Reveals His Formula for Side Hustle Success

When it comes to side hustles, everyone has an opinion. But when Mark Cuban speaks about what makes entrepreneurs succeed, people listen. Here's what he says.

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Day 30

Here's Why You Need To Adopt New Money Moves at Every Stage of Life

The best money habits for your 20s, 30s and 40s, from saving and investing to debt management, to build lasting financial security.

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Day 31

A Financial Expert Explains How to Balance Saving and Investing in 2025

A CFP breaks down the key differences between saving and investing, and how confusing the two could be costing you long-term growth.

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Day 32

Here's How to Set Up an Emergency Fund Without Stress, According to an Expert

Learn how to build an emergency fund that can protect you in a crisis without derailing other savings and investing goals, according to a CFP.

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Day 33

7 Financial Pitfalls That Catch Self-Employed People Off Guard

Being your own boss is empowering. But it also means operating without a safety net. Here are the money rules for self-employed people, and how to use them to your advantage.

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Day 34

What the 1% Know About Taxes That You Probably Don't, According to an Expert

Learn how strategies like tax-loss harvesting and asset location can help you lower your tax bill and boost your investment returns over time.

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Day 35

3 Reasons Gen Z Isn't As Bad With Money As You Might Think

Is Gen Z "bad with money," or are they redefining wealth? Here's why their approach to finances looks so different from older generations.

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Day 36

Here's How To Be Successful Financially Without Building a Budget

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Day 37

3 Ways To Protect Your Money From Inflation, According to an Expert

Worried about rising prices? A market expert shares how to adjust your spending, invest wisely, and protect your portfolio when inflation is high.

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Day 38

4 Reasons This 'Safe Investment' Isn't Always a Good Bet, According to an Expert

ETFs offer low costs and easy access, but they’re not risk-free. Learn what CEO Noah Hamman says most investors miss when buying into ETFs.

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Day 39

3 Key Signs That You're Losing Money to 'Lifestyle Inflation' -- and How To Get Out of It

Got a raise but still feel broke? Budgeting expert Allison Baggerly explains lifestyle inflation and how to stop spending more as you earn more.

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Day 40

I'm an Investing Pro: Here's How To Access Private Equity (Without Being a Billionaire)

Private equity is now more accessible to everyday investors, but it comes with tradeoffs. Here’s what to know before you consider jumping in.

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Day 41

4 Ways To Avoid Bank Fees and Keep More of Your Money

Tired of overdraft and ATM fees? A money expert shares how to dodge hidden bank charges and keep more of your money.

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Day 42

4 Top Ways To Spot and Avoid a Scam, According to an Expert

Scammers can spoof your bank and steal your money fast. Learn how to spot red flags and protect your accounts with expert-backed fraud prevention tips.

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Day 43

The No. 1 Mistake Retail Investors Keep Making, According to This Wall Street Insider

With markets swinging, it's easy for retail investors to get caught up in the wrong moves. Here's exactly why smart people keep making the same mistakes.

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Day 44

Warren Buffett Says You Should Invest When the Market Is Down -- Here's Why

Warren Buffett shares why smart investors buy during market downturns, and how to choose the right stocks for long-term gains.

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Day 45

Don't Refinance Until You Read This Mortgage Pro's Advice

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Day 46

The Big Retirement Myth That Could Ruin Your Plans

Many Americans believe this retirement myth—find out how it could derail your financial future and what to do now to protect your long-term plans.

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Day 47

How Long It Really Takes To Get Rich, According to Robert Kiyosaki

Getting rich isn’t just luck or a lifetime grind—Robert Kiyosaki says with mindset, learning, and purpose, wealth is within reach sooner than you think.

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Day 48

Here's How Much of Your Paycheck You Should Save Each Month, According to an Expert

Forget cookie-cutter rules — here’s how to save the right amount from your paycheck based on your goals, not someone else’s.

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Day 49

Tony Robbins: The No. 1 Thing That Will Transform Your Money Life

Tony Robbins shares how values-based motivation, mindset shifts, and consistent action can transform your financial future—starting with small steps today.

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Day 50

Is Your Retirement Plan Broken? Suze Orman Has Advice on How To Fix It

Worried your retirement plan won’t hold up? Suze Orman shares key signs it’s flawed — and how to fix it before it’s too late.

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Day 51

Here's Why Putting Your Savings in the Market Could Backfire -- and What To Do Instead

CFP Jeff Rose shares how to split savings between high-yield accounts and investments to protect your money and grow wealth.

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Day 52

The Overlooked Difference Between Your Credit Score and Credit Report

Most people mix up credit scores and credit reports, but knowing the difference could save you money and boost your chances of loan approval.

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Day 53

4 Insurance Mistakes Most People Make -- and How To Avoid Them

Financial planner Marguerita Cheng shares the biggest life insurance mistakes people make, and how to get the right policy for your needs and budget.

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Day 54

Most Experts Say Buy Index Funds. Charles Payne Says Do This Instead

Charles Payne argues individual stocks may outperform index funds — if investors do the research. Learn how to spot strong picks and manage investment risk.

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Day 55

Here's How To Prepare Yourself for a Recession, According to Suze Orman

Suze Orman shares smart, no-nonsense strategies to turn financial fear into power and prepare for any downturn.

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Day 56

5 Reasons Dave Ramsey's Hard Stance Against Credit Cards Isn't for You

Dave Ramsey says no to credit cards — but does his advice apply to you? Discover 5 times credit cards might actually be a smart move.

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Day 57

Kevin O'Leary: Here's What You Need To Know About Trump's New Tax Bill

Kevin O’Leary said Trump’s new tax bill stabilizes rates and supports small businesses, making it easier to plan and grow in today’s economy.

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Day 58

6 Warren Buffett Tips To Follow When You Don't Have Time To Research Stocks

Here are Buffett's six best pieces of investing advice and some expert takes to help you start your investing journey.

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Day 59

Tony Robbins vs. Dave Ramsey: Whose Financial Advice Is Best in 2025?

Tony Robbins or Dave Ramsey—whose financial advice works best in 2026? Compare their money strategies to see which fits your goals and lifestyle.

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Day 60

The Best Way To Keep Your Finances in Order When You Have an Irregular Income

Freelancers and self-employed: Learn Jessica Moorhouse’s expert tips to budget, build a cushion, and manage unpredictable income with confidence.

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Day 61

Barbara Corcoran: 'Fun Is Good for Business' -- 7 Ways You Can Balance Work and Play (and Still Make Money)

Barbara Corcoran shares 7 expert tips to help you balance fun and work—without sacrificing income. Learn how joy can actually grow your business.

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Day 62

Here's Why It Takes More Than Hard Work To Get Rich, According to Kevin O'Leary

Kevin O'Leary has made his fortune by understanding that working 18 hours a day for someone else will never make you rich. Working 18 hours a day for YOU? A different story.

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Day 63

Mark Cuban's Top 5 Tips That Will Save Retirees From Financial Disaster

For retirees, these lessons are super valuable and can save you from financial disasters. Here are Cuban's top financial tips.

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Day 64

George Kamel: The Budgeting Habit That Took Me From Debt to Millionaire in 10 Years

George Kamel turned budgeting from a burden into a tool for freedom — going from broke to millionaire by shifting his money mindset.

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Day 65

9 Frugal Habits Dave Ramsey Swears By

Discover 9 frugal habits Dave Ramsey recommends to save money, crush debt and build wealth -- practical tips anyone can start using today.

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Day 66

5 Red Flags To Look Out For Before Investing in a Company

Avoid costly mistakes—learn how to spot red flags in stocks with expert tips from Elizabeth MacDonald on financial health, risk, and ratios.

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Day 67

Humphrey Yang: Avoid These 3 Mistakes To Become Part of the Top 10%

Want to join the top 10%? Humphrey Yang shares 3 key mistakes to avoid if you want to grow wealth, build success and level up your financial game.

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Day 68

Dr. John Delony: Financial Control Is Abuse -- Here's What To Do About It

Financial abuse doesn't always look like someone stealing your credit cards. It's more complicated. Dr. John Delony on the signs — and what to do about it.

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Day 69

Looking for a Home Deal? Barbara Corcoran Says You're Doing It Wrong

She has some advice for homebuyers searching for their own hidden gem.

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Day 70

Rachel Cruze: 8 Ways To Lower Your Essential Costs

Money expert Rachel Cruze focuses on how you can successfully lower the costs of your "four walls," which are housing, transportation, utilities and food.

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Day 71

Here's How To Avoid the Biggest Mistake Retirement Savers Make During a Market Downturn

Learn how to protect your retirement savings during market volatility with expert tips from TIAA's Kourtney Gibson.

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Day 72

7 Signs Someone Is Secretly Wealthy, According to Humphrey Yang

Finance influence Humphrey Yang outlined seven signs that someone is secretly wealthy -- these can serve as lessons to anyone hoping to grow their wealth.

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Day 73

5 Things Barbara Corcoran Wants You To Stop Doing With Your Money

Barbara Corcoran has shared many money mistakes to avoid like flying first class and ignoring investing -- learn ways to build wealth and freedom with her tips.

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Day 74

This Tax Confusion Could Be Costing You Money -- a CFP Explains How To Fix It

Tax credits cut your bill, deductions shrink your income. Learn the key difference so you don’t leave money on the table during tax season.

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Day 75

Here's What Happens When You Stop Shopping for 30 Days, According to Tori Dunlap

Ditch impulse buys and reclaim your wallet! The 30-day no-buy challenge helps you spend with purpose, not pressure. It’s self-care, not sacrifice.

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Day 76

Suze Orman: You Can't Afford To Make These 4 Money Mistakes

Orman's guidance is aimed at steering individuals away from financial missteps and toward a path of financial freedom.

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Day 77

I'm an Airbnb Millionaire: Follow These 3 Steps To Earn $250K in Rental Income

Discover how one Airbnb investor built a $26 million portfolio -- and how you can earn $250,000 in five years with just a few high-performing rentals.

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Day 78

I Paid Off $300K in 3 Years -- Here's How I Did It

Personal finance coach Bernadette Joy reveals the simple 3-bucket budget strategy that helped her crush $300K of debt in just 3 years.

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Day 79

Dave Ramsey's vs. Warren Buffett's Advice on 4 Key Financial Topics

What Buffett and Ramsey say about four key financial topics, including investing, debt, mortgages and retirement.

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Day 80

The One Step Many Miss When Creating a Money Plan

The first step to a real financial plan? Track your money. Learn how personalized budgeting builds clarity, confidence, and long-term financial success.

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Day 81

Rachel Cruze Reacts to 8 Creative Side Hustles for Extra Cash

In a YouTube video, money expert Rachel Cruze reacted to eight creative side hustle ideas that might be ideal for you.

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Day 82

Pre-Tax vs. Roth: Why This One Retirement Decision Confuses So Many People

Confused about pre-tax vs. Roth? You're not alone. Money expert Preston Seo explains how each impacts your taxes today and in retirement.

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Day 83

I'm a Financial Advisor: My Clients Who Retire Early All Do These 3 Things

Want to retire early? Financial advisors share the 3 key steps their most successful clients take to make it happen.

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Day 84

This One Simple Money Hack Keeps One-Off Expenses From Wrecking Your Budget

Avoid debt with sinking funds—smart savings for irregular expenses like taxes, car repairs, or travel. Budget better, save smarter.

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Day 85

Social Security's Biggest Lie: Why 'Full Retirement Age' Isn't What You Think

Think you know when to retire? Social Security’s ‘full retirement age’ might be misleading—here’s what it really means for your benefits.

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Day 86

I Was a Millionaire by 26: 3 Money Rules Every Young Person Should Know

Learn Ryan Scribner's top personal finance tips for your 20s, including how to invest wisely, avoid risky moves and build wealth from the ground up.

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Day 87

5 Smart Ways To Use Your Tax Refund -- and 3 Costly Mistakes To Avoid

Learn how to use your tax refund wisely, avoid costly mistakes, and turn a one-time check into long-term financial security.

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Day 88

5 Hidden Money Leaks Draining Your Wealth, According to Jaspreet Singh

Struggling to save money? Discover hidden ways your cash is leaking -- from overdraft fees to inflation -- and how to fix your finances and grow wealth.

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Day 89

10 Times Dave Ramsey and Suze Orman Gave Totally Different Money Advice

Two of the most famous finance gurus in the world often take completely different positions on how to tackle money matters. Whose advice should you follow?

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Day 90

5 Ways To Get Promoted Early in Your Career, From a Former LinkedIn Insider

Skip the “dues” and get ahead faster. Career expert Cherie Brooke Luo shares 5 smart strategies to stand out, gain visibility and earn early promotions.

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Day 91

Rachel Cruze Exposes 6 Money Hacks That Actually Hurt You

Money expert Rachel Cruze reveals common money hacks that backfire, advising the avoidance of debt traps like BNPL, store credit cards, car leases and more.

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Day 92

Could Bitcoin Investing Ever Win Over Dave Ramsey?

Dave Ramsey isn’t sold on Bitcoin—yet. Here’s what would need to change for him to finally consider crypto a legitimate long-term investment.

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Day 93

Here's the Beginner's Credit Mistake That Could Haunt You for Years

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Day 94

3 Smart Moves for Investors Worried About Buying at the Top

Chris Sain shares smart, steady strategies to help investors navigate a hot market without falling into risky traps or chasing hype.

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Day 95

2 Common Credit Score Myths That Can Tank Your Finances -- And How To Fix Them

Avoid common credit mistakes that tank your score. Expert tips show how consistent habits, not income, build strong credit.

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Day 96

Here's How To Retire Comfortably Without a 401(k)

No 401(k)? You’re not alone. Learn how to plan for retirement with IRAs, solo 401(k)s, and brokerage accounts — and avoid common mistakes.

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Day 97

Hate Your Job? Here's How To Switch Without Losing Your Mind -- or Your Money

Thinking of changing careers? Learn how to manage money, emotions, and mindset with advice from someone who’s done it—more than once.

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Day 98

Here's How Much You Need To Retire With a $100K Lifestyle

Want to retire on a $100K income? Expert Jamie Hopkins breaks down savings targets, inflation, and strategies to secure your ideal retirement lifestyle.

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Day 99

3 Simple Steps To Slash Your Spending Today, According to Barbara Huson

Want to spend less without relying on willpower? Financial expert Barbara Huson shared three brain-based strategies to help you resist impulse purchases.

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Day 100

3 Investing Myths That Could Be Costing You Thousands in 2025

Think investing is gambling or too risky? Finance expert Eric Pan busts common myths and shares how anyone can invest smartly — no Wall Street suit required.

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