• The Three A’s of Retirement Income

    You’ve spent your entire working life saving and investing in tax-advantaged retirement accounts like 401(k)s and IRAs.

  • Trusteed IRAs need to be reviewed under post-Secure Act rules

    One common estate planning technique for clients with large retirement plan balances is to designate a trust as the beneficiary of those accounts. However, those planning to use a trust or trusteed Individual Retirement Account (IRA) are encouraged to take a fresh look at their plans following the updated distribution rules of the SECURE Act1.

  • Consider a backdoor Roth if you make too much to contribute to a Roth IRA

    A Roth IRA is an individual retirement account that allows a person to set aside after-tax income up to a specified amount each year. Both earnings on the account and withdrawals after age 59 1/2 are tax free if it has been at least five years since you first opened and contributed to your Roth IRA, regardless of your age when you opened it.

  • Generating tax-efficient retirement income

    You know the importance of saving enough money for retirement so that you have readily available sources of funds to augment your guaranteed income from Social Security and any pensions. But did you also know that how you go about converting your assets into income can have significant tax implications?

  • Why opt for a 'total return' retirement strategy?

    Back in our grandparents’ day, retirement didn’t require a lot of planning. You retired at age 65 and could pretty much count on a solid guaranteed monthly income stream (from the combination of Social Security and a company pension) to cover your essential expenses such as food, shelter, and clothing.

  • 6 tips for retirement literacy

    A Federal Reserve survey found that 25% of non-retirees reported having no retirement savings or pension whatsoever.

  • How to start planning retirement withdrawals

    Planning a retirement withdrawal strategy is a fundamental step toward replacing a traditional paycheck with a long-term retirement “paycheck.”

  • Is your portfolio in sync with your retirement withdrawal strategy?

    A basic approach to withdrawing assets would include liquidating bank accounts, non-qualified brokerage accounts, non-qualified variable annuities, IRA accounts, and Roth IRA accounts, in that order.

  • Tax deferral strategies for employer stock in a qualified retirement plan

    If you participate in a 401(k), or other qualified retirement plan that lets you invest in your employer’s stock, consider the tax deferral opportunities of net unrealized appreciation.

  • Should I convert from a traditional IRA to a Roth IRA in a volatile market?

    The lowering of tax rates prior to the coronavirus pandemic made it a good time to consider converting your traditional IRA to a Roth IRA.

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