Past issues of the Insights weekly newsletter from Rick Rodgers, Certified Financial Planner.
Look for opportunities created by lower markets, which include evaluating employer stock, performing Roth conversions, and investing before the market rebounds.
With appropriate income withdrawal strategies, a retiree can lessen their exposure to IRMAA surcharges.
It’s just as important to diversify how funds are saved as it is to diversify how they are invested.
Do not spend money that has been accumulated for financial independence. Invading long-term savings extends the time it will take to achieve a goal.
The Three Things That Matter Most in Our Retirement Investment Strategy: Allocation, Allocation, Allocation
The myth that security selection and market timing are keys to investment success may drive many to make poor investment decisions.
Lee Eisenberg wrote a book in 2006 about the amount of money and resources people will need to enjoy the active life they desire, mostly post-career, titled THE NUMBER: A Completely Different…
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.
Learn about different types of annuities and understand how they can become a valuable component of your retirement plan.
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 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.
Finding ways to do what you love and setting personal goals can ease the transition from employment to a productive retirement.
Once you retire from your job, you have a number of decisions to make—and a number of ways to spend your time. These guidelines will help you refine your priorities and manage this new phase of life.
The content of this newsletter was originally published on CPBJ.com. I was playing golf with a friend a few weeks ago. We have known each other for a couple of years and met…
On July 1, 2014, the Foreign Account Tax Compliance Act (FATCA) took effect targeting tax non-compliance by U.S. taxpayers with foreign accounts. The law was originally passed in March 2010…
The youngest of the baby boomers will reach age 50 this year. Those at the other end of the generation are fast approaching age 70. The greatest wealth transfer is…
The final step before retiring requires addressing a series of financial questions before you set the actual date. Not all retirement issues are financial. Some of the most important issues you…