The Future Has Always Been Better Than the Past
A well-diversified portfolio of stock market indices has a history of recovering after each downturn.
Annuity Traps Part 2: Death Benefits
While annuities can be an important way to build wealth, many individuals don’t realize how complicated these insurance products can be. In this article, we’ll walk you through what you need to know about annuity contracts and the five-year-rule.
Pay Taxes Once, Instead of Four Times, Using Your IRA’s Required Minimum Distribution
Learn whether you can use your IRA’s Required Minimum Distribution (RMD) to pay some or all of your quarterly tax estimates.
Annuity Traps Part 1: Living Benefits
Learn about different types of annuities and understand how they can become a valuable component of your retirement plan.
Using your Health Savings Account (HSA) as a Retirement Tool
Is funding an HSA right for you? Learn how you can use this account to pay for a number of medical expenses in retirement.
How to Legally Transfer After-Tax Money into a Tax-Free Roth IRA
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.
What You Need to Know about Tax Loss Harvesting
It’s best to approach tax-loss harvesting cautiously and keep your broader financial plan in mind when making any tax planning decisions.
The Potential Dangers of Rolling Your Company Stock into an IRA
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.
Avoiding the Unpleasant Surprise of a Mutual Fund Capital Gain Distribution
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.
The Risks of Adding Your Child to Your Home’s Deed
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…
What You Need to Know About RMDs
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.
Phase 4 of the AGILE Retirement Journey
You are finally retired but the journey is not over. There is still plenty of planning left to do. We will discuss what needs to be done in the last…
Give Your 401(k) an Upgrade with Fidelity BrokerageLink®
Does your employer-sponsored retirement plan offer brokerage services? If so, you may gain access to expanded investment choices, including a range of mutual funds.
When Should You Take Social Security?
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.
Does Your Estate Plan Still Need a Trust?
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.
Should You Name Your Estate as Your IRA Beneficiary?
Why naming your Estate as your IRA Beneficiary may not be a good choice.
Lump Sum or Annuity Distributions – What You Need to Know
With interest rates at a historic low, retirees should carefully consider their pension distribution options.
Contributing Too Much to Your IRA Can Cost You
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.
What is a Money Script?
We all have different “money scripts,” or things we tell ourselves about money that impact our financial decisions. Becoming aware of these thoughts—and the impact they have on our spending and saving behaviors—is important as you plan for and enter retirement.
Creating an Online Social Security Account
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.
