How to Make the Most of a Downturn
When the market is in decline, we take these proactive steps with our clients.
Every Retiree Needs a Spending Plan: Here’s Where to Start
Less restrictive than budgeting, spending plans are a proactive and flexible way to anticipate cash needs in retirement.
Creating a Steady Paycheck in Retirement
Learn how a combination of outside income, investments, and retirement accounts can help cover regular expenses.
More Ways to Lessen the Impact of the SECURE Act
Here, we offer further strategies for heirs of retirement accounts to maximize the after-tax value of their funds.
Hardship Withdrawals – What are the Real Costs?
Withdrawing money early from a retirement account is meant to be a last resort—and can come with consequences. Make sure you know these penalties and exemptions first.
You Inherited an IRA under the SECURE Act—Now What?
Follow these strategies to design a distribution plan with tax efficiency in mind.
Should I Consult with a Financial Adviser?
An adviser can help you balance today’s wants with tomorrow’s needs. Here’s what to consider when deciding whether to partner with one.
Follow This Formula When Converting an IRA to a Roth
Here, we break down the IRS pro-rata rule—a calculation that helps distinguish pre-tax and after-tax funds.
Go On a Treasure Hunt: Claim Back Your Own Assets
You might have assets sitting at the Pennsylvania Treasury that belong to you. All you have to do is claim them.
Using the New Three-Legged Stool™ Strategy to Support the Weight of Your Income
Protecting your portfolio from avoidable income tax is key to creating a sound income strategy for retirement.
Know the Tax Consequences of Your Hobby
Is that new pursuit a hobby or a business? Learn the difference and follow the corresponding tax rules to avoid penalties.
Social Security Do-Overs: What Are the Options?
If you’re regretting the timing of starting Social Security, you may be able to rethink your strategy by restarting or suspending benefits.
Know the Biases That May Affect Your Investment Strategy
The best way to avoid investing bias is to learn how it commonly shows up—and to pursue an objective investment strategy.
What to Know Before Drawing Social Security Benefits
Deciding when to begin Social Security benefits is complicated. Weighing these factors, and running careful tax projections, can help.
How the New Three-Legged Stool™ Strategy Helps Reduce Taxes in Retirement
Learn how diversifying your taxability (not just investments) is key to creating a sound retirement plan.
Taking Inventory with Financial Tracking Apps
If managing your financial accounts feels clunky or time-consuming, a money management app can help you track spending, savings, and performance. Here are three to consider.
It Takes Planning to Reduce Your Medicare Premiums
With appropriate income withdrawal strategies, a retiree can lessen their exposure to IRMAA surcharges.
Estate Planning Essentials Part 3: Protecting Beneficiaries from Themselves
Studies have shown that some heirs ultimately end up in worse financial shape after receiving an inheritance. This is so common that psychologists call it sudden wealth syndrome, although it is not an actual psychological diagnosis.
Power of Attorney Roadblocks: Can You Answer These Three Questions About Your POA?
You may be shocked to learn that new national and state laws may have prohibited your agent’s power to act.
Phase 2 of the AGILE Retirement Journey
Preparing for retirement might be the single biggest financial challenge people face. We’ll cover planning at the beginning of your retirement journey on this edition of Project Wealth.
