Retirement Planning

What Is a Required Minimum Distribution (RMD)?

If you’ve spent decades building up your retirement savings in tax-deferred accounts, you may have heard the term Required Minimum Distribution (RMD). But what exactly does it mean for you, and why is it so important to plan for it? Let’s break it down. What is an RMD? An RMD is the minimum amount you [...]

By |2025-10-06T11:29:06-04:00October 6th, 2025|Blog, Retirement Income Planning, Retirement Planning|

Why the Federal Reserve Works, And What It Means for Your Retirement

The Federal Reserve may seem distant or complicated, but its decisions ripple through everything from interest rates to inflation, and that may affect your retirement directly. Let’s explore why the Fed works, why its independence matters, and what that means for your financial stability in retirement. What exactly is the Federal Reserve supposed to do? [...]

By |2025-09-22T10:18:50-04:00September 22nd, 2025|Blog, Federal Reserve, Retirement Planning|

“I Think I Have Enough Saved—Why Am I Still Worried?”

You’ve worked hard and saved diligently, and now you're in retirement or on the doorstep of it. You’ve run the numbers. You might even have a sizable nest egg. So why do you still feel uneasy? That lingering anxiety is more common than you think, even among those who appear to be financially prepared for [...]

By |2025-09-15T13:48:17-04:00September 15th, 2025|Blog, Retirement Income, Retirement Income Planning, Retirement Planning|

Mini Retirement Lifestyle Worksheet

Envision Your New Life Start with your ideal day by thinking beyond finances. What does fulfillment look like? What would a perfect weekday in retirement look like from morning to night? Where do you imagine living: the same home, downsized, or somewhere new? Who do you spend the most time with? Do you want more [...]

By |2025-09-12T09:17:25-04:00September 12th, 2025|Blog, Lifestyle, Retirement Planning|

“What Can I Do with $100K in Retirement?”

Understanding the Shift from Accumulation to Income As a financial advisor, one of the most common questions I hear, especially from clients entering retirement, is: “What should I actually do with these savings I’ve amassed for retirement?” It’s a great question. And it usually signals something deeper: the start of the distribution phase of retirement. [...]

By |2025-08-25T08:58:21-04:00August 25th, 2025|Blog, Investing, Retirement Income Planning, Retirement Planning|

Will Your Retirement Outlive You? The Real Risk of Longevity

Most retirees don’t fear market crashes or inflation nearly as much as they fear one very real possibility: running out of money. And yet, many financial plans focus on growing your nest egg, not preserving and distributing it over a retirement that could span decades. The Longevity Problem This is the core of longevity risk—the [...]

By |2025-07-14T09:39:02-04:00July 14th, 2025|Blog, Retirement Income Planning, Retirement Planning|

4 Key Birthday Milestones in Retirement—and What They Mean for Your Financial Strategy

Birthdays in retirement aren’t just a reason to celebrate—they’re also checkpoints that can unlock new financial opportunities (or trigger important deadlines). From Social Security eligibility to Required Minimum Distributions (RMDs), several key ages mark turning points in your retirement journey. Here are four birthday milestones every retiree should know—and what they mean for your financial [...]

Does Retirement Have to Happen All at Once?

Imagine transitioning into retirement not as a sudden leap but as a gradual, comfortable glide. This approach, known as phased retirement, is gaining popularity. It allows people like you to reduce working hours over time, allowing a smoother shift from full-time employment to full-time retirement... and it even has financial benefits. But doing it right [...]

By |2025-06-16T12:28:50-04:00June 16th, 2025|Blog, Retirement Planning|

Retirement Account Management and the Tax Question

Navigating the intricacies of retirement accounts can often feel like charting unfamiliar territory. Whether you're adjusting your investment portfolio or considering contributions and withdrawals, understanding the tax implications is crucial to maximizing your retirement savings. Let's delve into how transactions within Individual Retirement Accounts (IRAs) and 401(k) plans are taxed and how these differ from [...]

Is It Time to Refresh Your Annuity? Here’s Why You Might Consider It

Annuities have long been a cornerstone for those seeking a steady income stream in retirement. However, the financial landscape is ever-evolving, and what worked a few years ago might not be the best fit today. With rising interest rates, inflation concerns, and innovative annuity products entering the market, now might be a great time to [...]

By |2025-04-21T13:23:34-04:00April 21st, 2025|Blog, Financial Planning, Investing, Retirement Planning|
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