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Proactive Tax Planning 3 of 6

One Roth IRA Workaround for High-Income Earners If you understand the concept of compounding interest and believe your money will grow over time, then you’d be wise to supplement pre-tax retirement plans with a Roth IRA. After all, it’s the most recognized vehicle for tax –free growth and tax-free distribution. Yet, high-income earners can’t contribute… Continue reading Proactive Tax Planning 3 of 6

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Proactive Tax Planning 1 of 6

The Concept of the Four Tax Buckets No one wants to pay more than his or her fair share in taxes. Yet few have a good understanding of how their savings will be taxed over time. A good way to gain a basic understanding is to consider the concept of the four tax buckets. The… Continue reading Proactive Tax Planning 1 of 6

Nearing Retirement, Retirement Planning

6 Considerations for Pension Election

Lots of baby boomers are hitting retirement age. And with retirement come some pretty big irrevocable decisions. One of which may be how to elect a pension. Now let me be clear. Not everyone has a pension. In fact, fewer and fewer people do as fewer and fewer companies offer them. But if you do… Continue reading 6 Considerations for Pension Election

Nearing Retirement, Retirement Planning

6 Key Risks to Retirement (Part II)

Last week we discussed some key risks to retirement. Health care needs, market volatility and inflation can all have negative affects on one’s retirement confidence. Today we will discuss three more key risks to retirement, and how a plan might help combat the anxiety that comes with each risk. Longevity  You are living longer than the… Continue reading 6 Key Risks to Retirement (Part II)

Nearing Retirement, Retirement Planning

6 Key Risks to Retirement (Part 1)

For many of my clients, the topic of retirement comes with many different emotions. While it can be exciting to think about freedom of time and the lack of an alarm clock going off first thing in the morning, there are many people that carry a fair amount of anxiety when considering the financial stress… Continue reading 6 Key Risks to Retirement (Part 1)