• 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.

  • Navigating volatile markets during pre- and post-retirement

    If you are nearing or in retirement, navigating market uncertainty can be concerning, especially when it comes to ensuring your assets last long after your working years are over. The good news is, there are strategies you can put in place now to help you stay on track for the long run.

  • Understanding how the CARES Act may impact your IRA

    The Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, which was signed into law by President Trump on March 27, 2020, has far-reaching impact for Americans. While most of the law is devoted to providing economic stimulus for businesses, several provisions change some of the rules currently in place for IRAs and other types of retirement plans.

  • 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 IRA are encouraged to take a fresh look at their plans following the new distribution rules of the SECURE Act.

  • Techniques to help mitigate the loss of stretch IRA tax benefits

    The tax rule changes enacted as part of the Setting Every Community Up for Retirement Enhancement Act, or SECURE Act, will persuade financial planners and clients to take a fresh look at IRAs in estate plans.

  • How will the SECURE Act transform retirement savings moving forward?

    The Setting Every Community Up for Retirement Enhancement (SECURE) Act, signed by President Trump on December 20, is a game-changer for the U.S. retirement system and is particularly significant for Americans with retirement plans (including IRAs) and companies who sponsor retirement plans for their employees.

  • Timing is everything: Using annuities as a retirement-planning tool

    Timing when you plan to retire is usually focused on your personal goals and circumstances. Market conditions or the economy often don’t play a part in the equation.

  • Maximizing your pension with life insurance

    If you participate in a traditional pension plan (known as a defined benefit plan) with your employer, you may receive monthly benefits from the plan after you retire.

  • Working during retirement

    Planning on working during retirement?

  • Retirement plans for the self-employed: Choosing the right plan for you

    Janney Senior Retirement Planning Specialist, Joe McDonald, discusses some retirement plan options specifically for self-employed individuals working without any employees.

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