Investing for Life
In a previous post, we discussed the basics of Social Security. Today, we’ll dive into some other features of the Social Security program to include in your financial planning: Spousal benefits, child benefits and survivor benefits. Benefits for Spouses Under the Social Security system, one half of a …
Questions about Social Security come up frequently in our financial planning conversations with clients. It’s a complex issue with many angles to consider, but we’d like to look at four key factors you might evaluate in deciding when to file for your Social Security benefits. 1) Your Full Retirement …
Many investors are unaware that you can use retirement assets to support the charities of your choice while avoiding taxes at the same time. A qualified charitable distribution (QCD) is a direct transfer of money from an individual retirement account (IRA) to an eligible charitable organization. Unlike regular withdrawals …
Roth IRAs are a powerful retirement savings vehicle—but should you trade in your traditional IRA for one? The answer comes down to taxes. What makes them so popular is that money placed in a Roth IRA can grow tax-free and then be withdrawn tax-free in retirement. Money you contribute …
We wanted to tell you about a widespread telephone scam that targets your Social Security number or your wallet. Here’s what you need to know to stay safe. Scammers call people and say their Social Security number has been compromised. The caller then asks you to give them your …
Common Misconceptions About Buybacks and How They Impact Your Portfolio
Everybody knows that you should save for retirement—how you should save is where it gets confusing. We can clear up one common puzzler right now: The difference between a Roth 401(k) and a traditional 401(k). Both are designed to help you save for your retirement. What distinguishes them is …
Let’s be realistic: If you want to see someone’s eyes glaze over, just mention the word “budget.” But reaching long-term financial goals requires saving and investing—and you can’t do either of those without spending less than you bring home. A budget is simply a tool that helps you understand …
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