5 Things Retirees Should Know about “the Big Beautiful Bill”
The One Big Beautiful Bill Act introduces tax law changes that may reshape your retirement financial planning. From enhanced deductions to estate exemption increases, here’s what retirees need to know now.
Ask the Adviser: How can I Find Fulfillment in Retirement?
In 1986, David Barrett wrote the song titled “One Shining Moment”. This song is now played to wrap up coverage of the NCAA Division I men’s basketball tournament championship game. Highlights…
Protect Your Path to Retirement: Managing Risk with Insurance
A well-rounded financial plan isn’t just about growing wealth—it’s about protecting it. Life and disability insurance play a crucial role in safeguarding your financial future and ensuring that your loved ones are provided for, regardless of what life brings.
How do I fix a missed RMD?
RMD rules can be highly complex, and it’s easy to make mistakes by taking the wrong RMD amount, taking an RMD from the wrong account, or missing an RMD altogether.
What is Form 5498, and why did I receive it so late?
Form 5498 must be mailed to the IRS by May 31. However, because IRA contributions can be made up until April 15, you might not receive Form 5498 until after Tax Day.
Three Questions to Ask When Inheriting an IRA in 2025
The distribution rules for inherited IRAs can be very confusing. Here, we look at three key questions to help you see through the fog and avoid unnecessary pitfalls.
I Just Inherited an IRA From My Parent. Now What?
The new rule for adults who inherit an IRA from their parents in 2020 and beyond is that they must liquidate that account within 10 years.
Ask the Adviser: What’s the difference between premium bonds and discount bonds?
Bonds can be sold on the secondary market for more—or less—than par value. That sale price separates a “premium” from a “discount” bond.
Downsizing for Retirees: A Practical Guide
Downsizing is an opportunity to embrace a new chapter— with less maintenance, more mobility, and the chance to explore hobbies, travel, or community living.
Ask the Adviser: How can I start planning a tax-efficient 2025?
While we can’t be certain about all the possible changes, we do know that some legislation passed in previous years will begin to take effect in January.
Are You an Investor—or a Speculator?
When you purchase gold, cryptocurrencies, or art, you own an asset you hope will appreciate—without any real idea if it will.
Ask the Adviser: What financial advice would you give to a C‑suite executive?
The uncomfortable truth is that boards change, priorities change, investor sentiments change—and leadership teams often change with them.
Are You Overspending in Retirement?
The 4% rule was developed taking economic downturns into account, and it has generally held up well during recent financial crises.
Ask the Adviser: What do I need to know about planning for long-term care?
If needed, long-term care is one of the pricier parts of retirement. But it can be even more expensive without a proper plan in place.
Should You Do a Roth Conversion?
Deciding to convert to a Roth IRA doesn’t have to be all or nothing. Let your tax bracket be your guide when determining the amount to convert.
Your 2024 Guide to Year-End Tax Planning
Reducing your tax liability means taking advantage of regulatory updates. We’ll look at some of the year’s tax law changes and opportunities.
Don’t Overlook HSAs as a Retirement Savings Vehicle
It’s a little-known fact that health savings accounts can provide an excellent way to save, invest, and take distributions—without paying taxes.
The Cost of Car Insurance Is Up, Here’s How to Bring It Back Down
We’ll look at why insurance rates rose 21% last year—and consider six practical ways to pay less.
Ask the Adviser: How do I figure out what I actually spend in a year?
Calculating your annual spending isn’t quite as simple as it seems, and yet it’s key to creating an accurate financial plan. Follow this formula.
Ask the Adviser: What’s predicted to happen with bonds in 2024?
The Fed is slated to cut interest rates, which may likely raise bond prices. Here’s what to know.
