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In the labyrinth of tax laws and regulations, both high-net-worth individuals and middle-income earners feel impacted by the complex tax system. Each segment argues that the tax code unfairly...

A good friend of mine often says, "If what you thought to be true turned out not to be true, when would you want to know?" In the context of retirement, this statement holds true. Many individuals,...

The Inflation Reduction Act is a great reminder of the Legislative Risk that faces retirees. When thinking about retirement risk, many focus on portfolio or market risk, but have you considered the...

I have been working in the retirement planning business for almost 30 years. Through that time, I have evolved in my thought process on how to best plan for retirement. I have settled on the fact...

This past week, I was in Hilton Head recording a segment for WHHI News and we were discussing the current situation of our economy and the stress retirees feel. During the segment, I referenced a...

I would like to ask a simple question: If you could retire and still have the same monthly income, would you? The answer from most people is "yes, absolutely". The reason is simple: you are familiar...

Today, retirement is filled with challenges for many people. Inflation and Market Volatility take the forefront. Some perceive it as a temporary hurdle in their retirement journey, accepting it as...

As retirement approaches, individuals often seek ways to optimize their savings and ensure a comfortable lifestyle. One effective strategy is leveraging tax-free retirement income, offering multiple...

Since the introduction of the 401(k) plan in 1978, retirement planning has undergone a significant transformation. Before the 401(k) plan, employers primarily offered traditional pension plans based...

Retirement is a time to relax, unwind, and explore the world. Free from work schedules, retirees can travel at leisure and relish new experiences. However, with so many travel options available, it...

As people age, their healthcare needs tend to increase, and they may require long-term care. Long-term care refers to a range of services provided to individuals who need assistance with daily...

Required Minimum Distributions (RMDs) are an important aspect of retirement planning, specifically for individuals with tax-advantaged retirement accounts such as Traditional IRAs and 401(k)s. While...

Passing on your estate to your heirs is a significant concern for many people, especially those who have spent a lifetime accumulating assets and wealth. However, without proper planning, a...

Retirement planning is a crucial aspect of financial management. One of the key risks that retirees face is longevity risk, which refers to the possibility of outliving one's retirement savings. As...

Retirement is a time when many people rely on their savings and investments to provide them with income. However, for those who own their home, it can also be an opportunity to utilize the value of...