retire
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Retirement Healthcare Planning: Strategies for Affordability
The New York Times recently reported that the share of Americans with health insurance declined in 2018 — the first drop in this statistic since 2009. For many Americans, health care costs are a
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Retirement Planning for the Self-Employed: Your Options
Participating in an employer-sponsored retirement plan is one of the best ways to save for retirement – especially if they match your contributions. But what about for those who are their own em
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Maximize Your Tax Benefits: Strategic Charitable Giving for 2024
As 2019 comes to an end and the holidays are fast approaching, I’m sure a lot of you are starting to think about not only your finances (and the impending holiday shopping!) but also more broadl
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Maximize Your Retirement: 3 Strategies for 401(k) Success
I’m sure you’ve already been told many, many times how important it is to invest in a 401k if you have one available to you. So while we’re going to spend some time in this article reiterating that, w
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Maximize Your 401(k) Contributions in 2020: A Comprehensive Guide
4 Things to Keep in Mind if You’re Trying to Max Out Your 401k No matter how much you might make, $19,500 is generally considered a good chunk of change. It’s about the cost of a base model 2018
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Traditional IRA Contribution Deadline: 2019 & Beyond
Like many people, you may be working on finalizing your 2019 tax return before the April 15 tax-filing deadline. If so, there might be an opportunity for you to obtain a valuable tax deduction and boo
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Understanding Safe Harbor 401(k) Plans: A Guide for Business Owners
Do you own a business where individuals rely on you for their income and benefits? If so, you may be determining the ideal benefits package for your employees if you haven’t done so already. Whe
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Secure Your Future: Why Retirement Savings in Your 20s is Crucial
It can be extremely difficult to motivate yourself to save for retirement when you’re in your twenties. If you plan on retiring in your 60s, you’ve got 40 years to save — but you have nights out, vaca
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Retirement Income Needs: How Much Do You Really Need?
Like most people, you’ve probably wondered, “How much income will I need during my retirement years?” You’ve also probably wondered why you never seem to run across an answer to that ubiquitous questi
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Secure Your Future: A Comprehensive Guide to Retirement Planning
For most people, retirement is the single biggest financial goal that they’ll save for. It often takes decades to financially prepare for retirement. And yet studies show that the majority of American
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2021 401(k) Contribution Limits: What You Need to Know
If you are socking away money each pay period in a 401k, 403(b) or 457 retirement plan, congratulations! This is one of the best things you can do to help prepare for a financially secure retirement.
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COVID-19's Impact on Retirement Savings: A Key Finding
Financial hardship due to the COVID-19 pandemic has forced 1 in 3 Americans to dig into their retirement savings. Nearly 33% of Americans have withdrawn or borrowed money from an IRA or 401k during th
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Retirement Planning: A Stage-by-Stage Guide to Financial Security
Many of our clients want to know about retirement planning. They want to get a head start, and they want to know they’ll be comfortable in their golden years. If you’re in the same boat, h
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Create a Robust Retirement Portfolio: Strategies for Long-Term Growth
One of the main goals of retirement planning is to construct a portfolio that will meet your income needs in retirement. Building this portfolio requires balancing the amount of risk you take in your
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Debt vs. Retirement Savings: Which Should You Prioritize?
One of the biggest financial roadblocks that many people face is trying to pay off debt while tackling other financial goals, like saving for retirement. The average adult in America has $29,800 of de
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Optimal Retirement Timing: Financial Considerations & Best Time to Retire
We spend decades saving for a financially secure retirement. So when the time comes, it can be exciting and a little bit overwhelming. With some serious financial considerations at play, deciding when
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Retirement Number: Beyond the Single Figure – A Realistic Approach
When we refer to your retirement number, most people think about how much money you need to save to meet your retirement goals. Having a specific retirement number can feel comforting. It provides you
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Maximize Your 401(k): A Comprehensive Guide to Post-Setup Strategies
You may have just set up a 401k and wonder what to do next. Or you may have set up a 401k 10 years ago and may not know what you should do now. In this article we’ll explore more about how to tackle y
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Roth 401(k) vs. Roth IRA: A Comprehensive Comparison
We consistently hear from clients that saving for retirement tops their list of important financial goals. So it’s a big decision, and a highly personal one, to determine exactly how to go about savin
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Mega Backdoor Roth IRA: Maximize Retirement Savings & Tax Benefits
Roth IRAs are one of the greatest gifts ever given to retirement savers. They enable individuals who qualify to enjoy tax-free withdrawals of their money after they retire, or even earlier in some sit
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- The Longevity Dividend: How Retirees Are Thriving in Health & Wealth
- Fixed vs. Variable Annuities: A Comprehensive Comparison
- Protecting Your Retirement Savings from Market Volatility
- Retirement Tax Havens: States With No Income Tax on Pensions & Withdrawals
- Gray Divorce Mistakes: Protecting Your Finances After Separation
- ERISA Explained: 5 Key Facts for Employee Benefit Protections
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Smart Home Devices & Home Insurance Discounts: Save on Your PremiumsSome home insurance companies are lowering premiums for those with smart home devices. Here’s how to tell if you may be able to save. (iStock) These days, many homeowners are using smart home devices ...
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Insurance Line of Sight: Protecting Your Property After a ClaimWhen a homeowner files a claim for property damage, the insurance adjuster may try to get by with recommending an inexpensive patch or replacement of only a portion of a wall, roof or carpet, which ca...
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Understanding the Equity Premium Puzzle: A Deep DiveThe Equity Premium Puzzle (EPP) refers to the fact that stocks have outperformed Treasury bonds by an extraordinarily high margin over the last century – a margin so high that it is very difficu...
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EBIT vs. EBITDA: Understanding the Key DifferencesThe difference between EBITEBIT GuideEBIT stands for Earnings Before Interest and Taxes and is one of the last subtotals in the income statement before net income. EBIT is also sometimes ref...