Learn about different types of annuities and understand how they can become a valuable component of your retirement plan.
Understand your path for rolling after-tax money in employer-sponsored plans to a Roth IRA and the rules that need to be considered to complete this transaction properly.
If you own large quantities of company stock held within a retirement plan, rolling it into a tax-deferred IRA may not be the best strategy. Learn when a Net Unrealized Appreciation (NUA) transaction is the right choice to maximize your tax efficiency.
If you’re investing in mutual funds at the end of the year, exercise extra care to avoid paying tax on gains that are earned internally by the fund.
Many people think it is a good idea to put their child’s name on the deed to their home, especially if one of the parents is deceased. Usually the motivation is…
Many clients have questions about when they need to withdraw money from their IRAs and what the rules are for Required Minimum Distributions (RMDs). Learn how to evaluate distribution options and avoid penalties that arise when RMDs are not met.
Before you decide when to begin drawing Social Security benefits, you should evaluate a number of factors, including life expectancy and the financial challenges that face the Social Security system.
Estate tax exemptions are much higher than they once were. As a result, it may be worthwhile to review your estate plan and terminate trusts that are no longer needed.
With interest rates at a historic low, retirees should carefully consider their pension distribution options.
Since long-term capital gains are taxed at a lower rate than other types of income, selling these types of assets can be a tax-efficient strategy.
Learn about contribution limits for traditional and Roth IRAs and get advice on how to minimize penalties if you’ve contributed too much in a given year.
From cashing out to transferring your balance, here are the different strategies for dealing with 401(k) plans from previous employers
By creating an online Social Security account, you can review your annual statement, take a closer look at your earnings record, and verify that your tax payments are being credited correctly.
A successful retirement plan starts long before the last day of employment and considers both financial and lifestyle decisions along each individual’s unique journey.
Our approach to retirement planning combines the seven-step process outlined by the Certified Financial Planner Board of Standards with our own unique focus on maximizing tax efficiency, managing risk, and minimizing expenses throughout retirement.
Establishing a trust can be a prudent way to pass assets from one generation to the next since it addresses issues that may arise from transferring wealth outright.
Our New Three-Legged Stool™ strategy and R/D Factor™ help us keep taxes lower for our clients in retirement
By exercising regularly, watching what you eat, and getting enough sleep, you can slow the aging process and feel healthier than ever before in retirement.
Look for opportunities created by lower markets, which include evaluating employer stock, performing Roth conversions, and investing before the market rebounds.
Finding ways to do what you love and setting personal goals can ease the transition from employment to a productive retirement.