Our Retirement Blog

10 Years and Counting: Points to Consider as You Approach Retirement

Greetings! I hope this finds you well and enjoying life. If you’re a decade or so away from retirement you’ve probably spent at least some time thinking about this major life change. How will you manage the transition? Will you travel, take up a new sport or hobby, or spend more… ...

Using Your RMD to Benefit You Tax-Wise

Greetings! I hope that this finds you well and enjoying life! My experience has been that if a retiree hasn’t started taking money out of an IRA until they are “required” to, they don’t need the money and as having to take the distribution triggers income tax, they usually aren’t too… ...

Income Tax in Retirement

Greetings! I hope that this finds you well and enjoying life! During your retirement years, it’s important to pay close attention to the income tax consequences of your investment decisions. If you receive a great deal of investment income when retired, for instance, the taxation of your Social Security benefits… ...

How Investments Are Taxed

Greetings! I trust that this will find you well and enjoying life. It’s that time of the year again, it’s tax time. On any investment that is positioned outside of a tax shelter like an IRA or annuity you’re going to pay taxes on interest and dividend distributions. Taxes affect how… ...

Have You Checked Your Retirement Plan Lately?

Greetings! I trust that you are well and enjoying life. Have you checked your retirement plan lately? It’s generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven’t given your plan a thorough review within the… ...

Conducting a Home Inventory

Greetings! I trust that you are well and enjoying life. For the most part I write about ideas and issues related to retirement and prudent planning takes many forms. Today I want to write about a form of planning that can pay big dividends under the right (wrong) kind of circumstances.… ...

Planning How You Spend Your Time in Retirement

Greetings! I trust that this will find you well and enjoying life! In my role as a retirement planner, it has been interesting to observe how some individuals and couples seem to have more quality of life in retirement than others. This occurs for several reasons some financial and some… ...

A Quality of Life Discussion is Critical

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… ...

Steps To Having A Great Retirement

Greetings! I trust that this will find you well and enjoying life. What separates a great retirement from a good retirement? Often I observe in retirees that more than anything it’s a state of mind. Here are several ways to view life that when embraced, can do much to enrich your… ...

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 Matter Of Personal Defense

Greetings! I trust that this will find you well and enjoying life. Cyber security is an issue that we all should be aware of and consider as far as the effect a cyber-attack can have on our lives. The internet is the tool that most of us use to conduct… ...

Year End Charitable Giving

Greetings! I trust that this will find you well and enjoying life. With the holiday season upon us and the end of the year approaching, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes to mind.… ...

An Unrealized Resouce You May Not Be Aware Of

Greetings! I trust that this will find you well and in good spirits. Have you ever considered a home equity line of credit (HELOC) as a resource in retirement? For those of you that are not familiar with them, a home equity line of credit is simply an open line of… ...

With The Election Being Over, What Comes Next?

Greetings! I hope this finds you well and enjoying life. I saw this piece recently and I felt there was a lot of solid information in it you might be able to use. Don’t hesitate to call if we can help in any way. Best regards, Jeff Christian CFP, CRPC… ...

Maximize Your Home In Retirement As A Resource

Greetings! I trust that this finds you well and enjoying life. As you grow older, housing issues become an integral part of your retirement plans. You may be living on a fixed income and want to get additional cash by borrowing against the equity in your home. You may feel isolated… ...

Financial Mistakes in Life’s Eras

Greetings! I trust that this will find you well and enjoying life.  Here are some common financial mistakes people fall prey to as they approach retirement. Do a quick check to make sure that you avoid them. In Your 40s and 50s Trying to keep up with the Joneses. Appearances can be deceptive.… ...

The Power Of Independent Advice

Greetings! I trust that this will find you well and enjoying life. Objectivity isn’t something that most of us would tend to consider or wonder about when it comes to financial advisors. It just stands to reason that any organization or anyone in the business of helping people secure their… ...

When Your Child Asks For A Loan, Should You Say Yes

Greetings! I trust that this will find you well and enjoying life. You raised them, helped them get through school, and now your children are on their own. Or are they? Even adult children sometimes need financial help. But if your child asks you for a loan, don’t pull out your… ...

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… ...

Five Ways to Manage Risk in Your Retirement Savings Plan

Greetings! I trust that this will find you well and enjoying life. Your employers sponsored retirement savings plan is a convenient way to help you accumulate money for your retirement. Using payroll deductions, you invest for your future automatically, following that off noted advice to “pay yourself first.” But choosing to… ...