Our Retirement Blog

The All Important Emergency Fund

Greetings! I hope and trust that this finds you well and enjoying life.Often overlooked in our retirement plans (and our working years, for that matter) is what I like to call a “rainy day fund” for emergencies. Most people don’t have one. That can be a problem for many Gen Xers… ...

An Overlooked Tax Break

Greetings. I trust that this will find you well and enjoying life! In retirement managing taxes, in other words getting every possible tax break that you can based on your circumstances, can be as important as effectively managing your portfolio. Are you working with a good tax preparer and tax advisor… ...

Tax Planning for Income

Greetings! I hope and trust that this finds you well and enjoying life. You don’t want to pay more in federal income tax than you have to. With that in mind, here are five things to consider when it comes to keeping more of your income. By deferring (postponing) income… ...

The All Important Emergency Fund

Greetings! I hope and trust that this finds you well and enjoying life. Often overlooked in our retirement plans (and our working years, for that matter) is what I like to call a “rainy day fund” for emergencies. Most people don’t have one. That can be a problem for many Gen… ...

An Overlooked Tax Break

Greetings. I trust that this will find you well and enjoying life! In retirement managing taxes, in other words getting every possible tax break that you can based on your circumstances, can be as important as effectively managing your portfolio. Are you working with a good tax preparer and tax advisor… ...

What’s So Great About Roth Conversion?

Greetings!  I trust that this will find you well and enjoying life. Often in this newsletter we look at ways to reduce taxes. Today I want to talk about actually paying more tax intentionally because of a Roth IRA conversion. When you convert your traditional IRA to a Roth, you pay taxes… ...

Minimize Your Tax Liability

Greetings! I trust that this will find you well and enjoying life. Here we are once again, income tax filing deadline time of the year unless of course you file an extension. I want to challenge you to ask yourself if you are doing everything that you can to minimize your… ...

Income Planning is a Big Part of the Equation

Greetings! I trust that this finds you well and enjoying life. I want to pose a question. What does your retirement income plan look like? Do you have one? Accumulating a reasonable level of assets for retirement and the strategy involved in that is certainly a necessary endeavor. However, structuring… ...

How to Process Saving for Retirement

Greetings! I hope and trust that this finds you well and enjoying life. Many Americans realize how important it is to save for retirement, but knowing exactly how much you need to save to be secure is another matter entirely. Everyone’s situation is unique and it’s sometimes challenging to determine… ...

Happy New Year!

Greetings! I trust that this will find you well and enjoying life. Every week here we focus on financial health, most often financial health as it relates to retirement. For a change let’s consider physical health as we begin a new year. A new year is an excellent opportunity to… ...

Merry Christmas

Greetings. I trust that this will find you well and in good spirits! Christmas, what a wonderful time of the year! Family is so important to Christmas. I hope you have an opportunity to experience your loved ones at this time of the year and become renewed through it. Giving is… ...

A Tip for Controlling Your Destiny

Greetings! I trust that this will find you well and in good spirits. I can’t emphasize strongly enough the importance of you keeping up with current financial affairs to a certain degree. Over time by staying in tune with the ebb and flow of the economy and the markets, you will… ...

Tips for Practical Living in Retirement

Greetings! I hope that this finds you well and in good spirits! There is an enormous amount of research that points to the fact that we all have a chance to live longer in retirement than we anticipated. I saw a statistic recently that reported that all known medical information doubles… ...

Will You Outlive Your Money?

Greetings! I trust that this finds you well and enjoying life. Before you retire, take the time to figure out just how much money you’ll need for retirement. One of the biggest concerns for retirees is whether their retirement savings will last the rest of their lives, will they run out… ...

Happy Thanksgiving

Greetings! I trust that this will find you well and enjoying life. My favorite time of the year, duck season and oh yes of course the holidays! But seriously folks it’s the holidays, the best time of the year for a lot of reasons. Thanksgiving as a prominent nationally celebrated holiday second… ...

How Will You Spend Your Time In Retirement?

Greetings! I trust that this will find you well and enjoying life. Experiencing meaning, purpose, and happiness in retirement won’t happen unless you make it happen. Advanced planning on how you will spend your time and energy is as important as the financial planning you do as you approach the big… ...

Early Retirement Considerations

Greetings! I trust that this finds you well and enjoying life. As you near retirement age, you may be offered early retirement by your employer who may refer to the offer as a golden handshake or a golden parachute. The offer usually consists of severance payments and post-retirement medical coverage combined… ...

Quality of Life in Retirement

Greetings! I trust that this finds you well and enjoying life. To live well in retirement, you have to embrace change and longevity planning. As you get older your circumstances will continue to change, sometimes rapidly. What doesn’t change is your desire to be independent, to have social connections that enrich your… ...

It’s Complicated / Money and Happiness

I trust that this will find you well and enjoying life. It’s complicated money and happiness. Does more wealth lead to happiness? Researchers have tackled this question for decades, and although the results have differed, one fact is certain: The relationship between money and happiness –or “well-being,” as many researchers put… ...

Do You Know Where You Stand?

I trust that this will find you well and enjoying life. I have a question for you and I want an honest answer. Do you know where you stand financially at any given point in time? To be more specific, do you know within a few thousand dollars what your assets… ...