USE A RETIREMENT-INCOME HACK

Figuring how best to draw annual income from various accounts in retirement can be bewildering. But new hybrid-robo services such as Vanguard’s Personal Advisor, Schwab’s Intelligent Income, Capital One’s United Income and Fintech 50 member Kindur make it easy. The apps create an individualized asset allocation and tax-optimized income plan (they’ll even send you a monthly “paycheck” and counsel you on when to take Social Security), all under the watch of on-call human advisors. Costs vary, but are usually far less

than for a traditional planner. —Ashlea Ebeling