Social Security COLA and Portfolios

Tyler Rudek | 10.31.25

In this week’s update, we break down the latest Social Security cost-of-living adjustment (COLA) and what it means for retirees. With a 2.8% COLA projected for 2026—well below recent highs—many retirees may find these increases aren’t keeping pace with rising healthcare, housing, and food costs. We also look at increasing life expectancies, the importance of longevity planning, and why maintaining a balanced portfolio of stocks and bonds is critical. With interest rates expected to decline, relying heavily on cash may hurt long-term purchasing power. Watch to learn how thoughtful planning can help protect retirement income in a changing market environment.

Meet the author

Tyler Rudek

Tyler Rudek, CFA® joined Boyum Wealth Architects in 2015. As Chief Investment Officer, Tyler has been instrumental in honing the investment process at HWA. He is responsible for investment research and education, asset allocation, performance reporting, trading and rebalancing. Prior to working at Boyum Wealth Architects, Tyler held positions at several prominent financial firms within the industry. At Boyum, he takes care to align client capacity and willingness for investment risk with his or her long-term investment goals.

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