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End-of-Year Financial Checklist & Final Estimated Tax Payment: What You Need to Know as Someone Nearing Retirement
As the year draws to a close, it’s time to take stock of your financial situation and prepare for the upcoming tax season. Proactive planning can help you optimize your tax liability, organize your finances, and set a solid foundation for the new year. And for someone...
Owe Less to the IRS: Unique Tax-Planning Strategies to Implement This Year
Here are a few tips you may not know about for lowering your…
Avoid These 6 Mistakes In Your 2024 Charitable Giving Strategy
Whether you’re a business owner, retiree, or pre-retiree, year-end charitable giving provides valuable…
Emotional Signs You Need To Retire
Being ready to retire is about more than just your financial statements. It’s common for people to get caught up in planning and saving, forgetting about the emotional aspects of retirement planning.
10 Signs It’s Time to Retire
How do you decide when to retire? Making that leap out of the workforce and into your retirement isn’t a decision that should be taken lightly or made for the wrong reasons. While a bad day at work…
How Do I Determine My Ideal Retirement Age?
Determining the ideal retirement age is a pivotal decision that influences not only your financial well-being but also your overall quality of life in your later years.
Maximizing Tax Efficiency in Retirement
There are a number of different tax strategies individuals and couples nearing or in retirement can utilize to decrease the amount owed on their retirement savings and income.
Are Covered Calls a Good Strategy to Generate Extra Income?
A covered call is an options strategy in which an investor holds a long position in an asset (typically shares of stock) and sells (or "writes") call options on that same asset. The goal of this strategy is to generate additional income from the options premium, while...
Why Should a Couple Aged 50 or Older Consider a Prenup
Why should a couple aged 50 or older consider a prenup? Are there any reasons why they shouldn’t consider this? A prenuptial agreement can be particularly beneficial for older couples because they often have more significant assets, prior marriages, and children whose...
Collecting Social Security: 5 Crucial Questions You Need to Ask
When it comes to Social Security, many people often get swept up in the excitement of finally reaching the point where they can start collecting benefits. However, it's essential to slow down and make informed decisions. Before you begin collecting social security,...
Taxes in Retirement: An Overview and Smart Strategies to Stop Overpaying Uncle Sam
Retirement is supposed to be the stage of life where the worries of the working world are left behind and you can relax and enjoy the fruits of your labor. However, the reality is that for many retirees, the tax burden doesn't disappear with the working world. In...
What Would Happen If the U.S. Couldn’t Pay Its Debts?
Introduction Imagine if the United States couldn't pay back the money it borrowed. It might seem crazy, but let's explore what could happen if the U.S. defaulted on its debt. We'll take a look at how it would affect regular people, the economy, and the global...
7 Law Changes Pre-Retirees Should Watch Out For
Introduction The SECURE 2.0 Act (Setting Every Community Up for Retirement Enhancement) is a bill passed by the U.S. Congress in December 2021. It builds upon and expands the provisions of the original SECURE Act (passed in December 2019) and includes changes to...
How Much Will Health Insurance Cost if I Retire Before Age 65 (Medicare Eligibility)?
Many of my clients are concerned about what health care costs might be if you retire before age 65 (Medicare Age)? They thought that because they had good incomes or lots of money, they wouldn't get any financial help for health insurance. After they went through our...
10 Questions To Ask A Financial Advisor
Are you looking for an advisor overwhelmed by the sea of people that are out there? Or, are you currently working with an advisor and not sure if they are still the best fit for you? Here is a list of ten questions to ask: 1. Are you a fiduciary? A fiduciary is...
7 Investing Principles Every Teen Needs to Understand
Introduction Learning the principles of investing is important at any age. They say it is never too late to start investing but there are a million reasons ($$$$) to teach these principles to your children as early as possible. While teaching financial...
How To Design Your Dream Retirement & Life
How to Create a my Social Security Account
What is a my Social Security Account? My Social Security is a personal account where individuals can view their Social Security Statement online. The account gives you access to a benefits estimator, your personal earnings history, and other tools. ...
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