• Retirement Readiness

    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.

  • An Annuity Income Strategy During Volatile Markets

    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.

  • Will Your Nest Egg Last Through Retirement?

    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.

  • Should I Convert From a Traditional IRA to a Roth IRA in a Volatile Market?

    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?”

  • Understanding Retirement Risks You Can & Cannot Control

    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.

  • 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 regularly take a fresh look at their plans as regulations are updated over time.

  • 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.

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

    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.

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

    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?

  • 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.

  • Approaching retirement: What you should be doing now

    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.

  • 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.”

  • Living In Retirement: Staying On Track & Making Your Assets Last

    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.

  • 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.

  • 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.

  • 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 recent Federal Reserve survey reported that 26% of non-retirees do not have any self-directed retirement savings.

  • 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.

For more information about Janney, please see Janney’s Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest.

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