Our Financial Blog

It’s THE big question. You might hate your job and yearn to retire, but feel overwhelmed by all the articles you see that tell you you’ll need $1 million or more to comfortably turn in your company keys. Unfortunately, most pre-retirees in the U.S. haven’t saved...

Last month we discussed general principles around seniors taking social security benefits and why one should strive for putting off claiming as long as possible to maximize permanent benefits for both oneself and/or their married partner. This month we examine tactics...

Eleven million Boomers are retiring every day and the optimum age to begin claim Social Security benefits is on their minds.  In a report from the Social Security Administration dated 12/31/22, 37% of men taking benefits and 42% of women receive 50% or more of their...

Plain vanilla brokerage accounts get a bad rap.  All the conversations go to retirement accounts: how, when and why to fund them; what the rules are; strategies on maximizing them.  You can pick up any financial publication and read about them.  I’ve been a financial...

The Secure Act 2.0, passed by Congress in late December 2022 and signed into law by President Biden, seeks to address the huge gap in retirement savings among both those working and those that have retired.  The World Economic Forum forecasts that by 2050, unless...

I meet with clients every month who want to hang up the “nine to five” and jumpstart their retirement chapter prior to qualifying for Medicare.  I get it.  Some people have health challenges, some folks want to start enjoying more quality of life…the reasons why are...

There’s a lot to like about Roth IRAs.  Contributions to them are after-tax and the growth over time will never be taxed when you take distributions out after reaching 59-1/2 years old.  That’s a really valuable perk as your tax-deferred retirement plan at work or the...

I’ve been a licensed financial advisor for nearly 20 years and conversations with clients about long-termcare are some of the most difficult with which I am faced. Nobody wants to talk about it. It’s scary andexpensive and completely contrary to topics like RV road...