The Federal Reserve's measured approach to lowering interest rates has kept bond yields at relatively attractive levels—but further cuts could bring them back down to earth. In this issue, discover some possible alternatives for income-hungry investors. Elsewhere in the magazine, Schwab experts discuss what the future of artificial intelligence could mean for investors, how direct indexing can help make your portfolio more tax-efficient, the choice between purchasing long-term care insurance or footing the bill yourself, and more.