Investing for Life
Social Security is a hot topic in our frequent conversations with clients. While it’s a complex issue, one of the questions we field most commonly is: “When should I file for Social Security benefits?” To help break it down, here are four key factors to consider as you make this …
Read More keyboard_arrow_rightFrom your first checking account to your current 401(k) plan, by the time you reach your 50s, you may have opened accounts with dozens of financial institutions. But if you’re like most people, you may not have closed nearly as many. When we begin the financial planning process for our …
Read More keyboard_arrow_rightThere are two main types of employer sponsored-retirement plans: Defined contribution plans and defined benefit plans. What sets the two apart are who is contributing to the plan and where the investment responsibility lies. With defined contributions—the most common of which is the 401(k)—employees determine the amount they wish to …
Read More keyboard_arrow_rightRoth IRAs are a powerful retirement-savings vehicle, but should you trade in your traditional IRA for one? The answer comes down to taxes. Roth IRAs are popular because your money not only grows tax-free but can also be withdrawn during retirement without paying taxes—whereas money in a traditional IRA grows …
Read More keyboard_arrow_rightIf you plan to work until age 65, continuing your health coverage can be a snap—simply switch from your employer-based plan over to Medicare. (For details, check out our podcast on Medicare planning.) But how do you handle health insurance if you want to retire earlier? …
Read More keyboard_arrow_rightSome concepts in the financial planning world are intuitive. Annuities, which often combine investment options with various forms of insurance, are not. As a retirement income tool, they’ve received increasing attention of late, especially after a provision in the SECURE Act—signed into law at the end …
Read More keyboard_arrow_rightIn this issue: Vanguard Plans to Shutter U.S. Value Fund Accolades for Adviser Investments Podcast: The Portfolio Impact of Politics and Pandemic Adviser Investments’ Market Takeaways
Reverse mortgages garner quite a bit of attention from the media—much of it negative. And that’s appropriate. But it’s not the whole story. Reverse mortgages can be a useful tool in certain situations, so let’s separate the myths from the facts. What is a reverse mortgage? Simply put, it’s a …
Read More keyboard_arrow_rightAs summer stretches on and mortgage rates hit record lows, vacationers and would-be travelers staying put may find themselves daydreaming about what it would take to turn their favorite mountain, beach or lake home into a permanent family retreat. Of course, buying a second property could have a major impact …
Read More keyboard_arrow_rightIn this issue: Vanguard Launching ESG Bond ETF Webinar—Take Your Pick: Recession or Recovery? Treasury Fund Yield Dips Below Zero Adviser Investments’ Market Takeaways
A Straightforward Guide to Preparing and Settling an Estate
According to a recent survey, 64% of Americans are not prepared for retirement. We don’t want you to be part of that statistic. Retirement is a major life milestone, and it requires not only financial readiness but emotional preparedness, as well. Complete the five steps below to retire with confidence: …
Read More keyboard_arrow_rightTwo weeks ago, we briefly discussed the IRS notice that offered relief to anyone who took a required minimum distribution (RMD) early in 2020—extending and expanding on a CARES Act waiver that gave people additional time to return that money to retirement accounts, penalty-free. Here’s a little more detail on …
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