What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.
Wednesday, May 31, 2023
Many people overlook the importance of benefits for the surviving spouse when they initially file for Social Security. Postponing collection of benefits can earn workers 8% in delayed retirement credits every year from full retirement...
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Wednesday, May 17, 2023
You’ve been saving for your retirement for decades. Don’t undermine your own plans by making these 5 common mistakes when you retire.First, don’t retire too soon. Lifespans are increasing and many retirees...
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Wednesday, May 3, 2023
If you’re changing jobs or retiring, it’s important to know the rules regarding moving funds from your employer sponsored retirement plan. The wrong move could cost you in income taxes and early withdrawal penalties. You...
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Wednesday, April 19, 2023
Many people are unsure about the differences between a traditional IRA and a 401(k). Both have accounts that provide tax-deferred growth on the money in the account. Withdrawals from the accounts are taxed at ordinary income tax rates...
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Wednesday, March 22, 2023
Did you know that one of the greatest risks to your retirement portfolio can happen in the first years you retire? The timing of when you begin withdrawing money from your investments can dramatically impact your long-term wealth....
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Wednesday, March 8, 2023
A question we're commonly asked is, "Is it possible to drastically reduce taxes in retirement, or even eliminate them? It’s possible, but you must start planning before you retire.Many people don’t realize that Traditional...
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Wednesday, February 22, 2023
A retirement income plan is needed because life changes in retirement. Your retirement plan should account for every year in retirement, even past your life expectancy.For each year, make a list for you and your spouse that include...
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Wednesday, February 8, 2023
Risk tolerance is the level of risk, or market ups and downs, an investor is willing and able to tolerate. An aggressive investor, one with a high-risk tolerance, is willing to risk greater loss to potentially maximize returns, while...
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Monday, February 6, 2023
A life insurance policy protects your loved ones against the loss of your income after your death and helps to preserve their standard of living. You’ll name a beneficiary to receive the proceeds, and in exchange, you’ll...
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Friday, January 20, 2023
The medical profession refers to high blood pressure as the silent killer. In investing, the silent killer is INFLATION. The minimum return on any retirement investment must be at least equal to inflation. Here’s why. Suppose...
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Wednesday, January 11, 2023
Most people start to think about life insurance after they’ve married and had children. That’s because the main goal of buying life insurance is usually to replace income if the buyer’s earning power is taken away by...
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Monday, January 9, 2023
If you're like most people, most of the time, you focus your financial efforts on maximizing your current income. But it's also important to plan ahead for the benefit of your spouse if you should pass away. Here are some tips for how...
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Wednesday, November 30, 2022
What are annuities and how do they work? Annuities are both a savings and an income investment that pays out over a period of time. It's actually a stream of income that may be designed so that you can’t outlive it.
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Monday, November 14, 2022
If you're a state employee exiting FRS Deferred Retirement (known as DROP), you should know your options. Exiting DROP requires that you take the full amount you’ve saved… and that carries with it serious tax implications....
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