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While every individual’s retirement experience is unique, there is a common pattern that almost all of them follow. It’s a dynamic journey with distinct phases, each with its unique...

Many financial advisers charge their fee based on the value of your investment account and the going rate is generally around 1%. Here’s a little-known tip: If your investment accounts exceed...

Are you possibly paying more in taxes than necessary? In this article, we’ll explore a strategy that few people are discussing but has the potential to significantly reduce your IRS bill.

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Could Roth IRAs face taxation in the future?

After foregoing the upfront tax benefits of a pretax account for the assurance of tax-free growth, is there a chance the rules could change, making Roth...

Over the past twenty years, I have guided numerous individuals through their retirement journey, starting from their final day at work and continuing into the later stages of their golden years. In...

Retirement should be a time to relax and enjoy the fruits of your hard work. However, many retirees are caught off guard by the so-called “retirement tax torpedo,” which can...

“Should I convert to Roth IRA?”

That’s a question I hear in nearly every initial consultation for retirement income planning.

And understandably so – who wouldn’t want...

For many Americans, understanding the intricacies of Social Security benefits can be a daunting task. One aspect that often leads to confusion is the Windfall Elimination Provision (WEP). Designed...

Saving for retirement is a lifelong process that unfolds through various stages. While the steps may differ based on individual circumstances, a general framework can be outlined. Each stage...

Given the recent reports of bank failures, there is a growing concern among individuals regarding the safety of their investments in the event of a brokerage company collapse. 

It’s...

The year 2022 was certainly challenging for investors. For the first time since 1969, the values of both stocks and bonds logged a negative return. 

Here’s a quick snapshot of the 2022...

How do you know when you’ve saved enough to retire?

If you do a quick online search for the term “can I retire with”, you’ll see thousands of search results for “can...