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Jessica Landis July 29, 2022
People preparing for retirement often think that investment returns are the biggest factor in retirement sustainability. Returns are an important factor, but cash flow is the #1 driver of a retirement plan’s sustainability. If you are approaching retirement, it’s important to take these steps in understanding the risks of underestimating your retirement expenses.
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Peter Longo July 26, 2022
Having a financial plan in place for the good times and the bad is essential, especially as one approaches retirement. Periodically, a financial plan should be revisited, and new strategies considered.
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Peter Longo July 7, 2022
Are you saving enough now to last through your retirement? Consider these useful tips and insights on how to make smart saving and spending decisions for each phase of life regarding retirement.
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Jack Cintorino May 24, 2022
Soaring inflation, interest rate hikes, and the war in Ukraine have led to ongoing stock market volatility. Retirement savers may be wondering, “Is now a good time to convert to a Roth IRA?”
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Jay Guyer March 25, 2022
There are many aspects to consider when thinking about mitigating risk in retirement. Here are two categories we often recommend in order to shape the conversation around retirement income planning. But, remember, there are a number of other risks to consider and discuss with us at any time.
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Jay Guyer March 24, 2022
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 regularly take a fresh look at their plans as regulations are updated over time.
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Kim Beil March 11, 2022
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.
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Joe McDonald February 24, 2022
Saving for retirement is a main concern for most working folks, but as a self-employed individual, there are a number of differences for your retirement planning strategies.
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Jack Cintorino February 4, 2022
While the tax advantages of a Roth IRA can be very enticing, the account has income limits which may exclude you from being eligible to contribute to this type of retirement savings account. But, have you considered a Backdoor Roth?
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January 31, 2022
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.
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December 31, 2021
You’ve worked hard to save toward your retirement goal, and as it gets closer, now is the time to make some important decisions and nail down the specifics.
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Martin Schamis December 16, 2021
Planning a retirement withdrawal strategy is a fundamental step toward replacing a traditional paycheck with a long-term retirement “paycheck.”
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November 11, 2021
Congratulations—you’ve made it to retirement! As you enjoy this phase of life, maintaining your lifestyle and protecting your assets depends on decisions and actions you put in place now.
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Jay Guyer November 10, 2021
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.
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Peter Longo August 26, 2021
You’ve spent your entire working life saving and investing in tax-advantaged
retirement accounts like 401(k)s and IRAs.
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Shurdonna Joseph June 16, 2021
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?
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Kenneth Couser April 30, 2021
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.
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Jay Guyer April 8, 2021
A recent Federal Reserve survey reported that 26% of non-retirees do not have any self-directed retirement savings.
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Martin Schamis March 15, 2021
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.