by Steve Gaito | Aug 28, 2025 | Uncategorized
When 401(k)s and IRAs were first introduced, they appeared to be the ideal solution for retirement savers. Tax rates were much higher than they are today, so the strategy was simple: put money into these accounts, defer taxes, and withdraw funds later in retirement...
by Steve Gaito | Aug 21, 2025 | Uncategorized
Retirement is one of life’s biggest transitions, and with it comes a wave of important financial questions. As a Certified Financial Planner™, I often hear the same concerns from retirees who want to feel more confident that their hard-earned savings will last....
by Steve Gaito | Aug 14, 2025 | Uncategorized
When Congress passes a major piece of retirement legislation—like the so-called “Big Beautiful Bill”—it’s easy to think the problem has been “fixed.” Yes, these new rules may tweak certain aspects of retirement planning, but here’s...
by Steve Gaito | Aug 5, 2025 | Uncategorized
Social Security plays a critical role in the financial security of millions of Americans, yet it remains one of the most misunderstood government programs. Misinformation and fear often cloud the conversation, leading many to make poor planning decisions based on...
by Steve Gaito | Jul 29, 2025 | Uncategorized
With 2025 well underway, new tax laws, economic pressures, and demographic shifts are reshaping the retirement landscape—and the stakes have never been higher. Medicare Surcharges Are on the Rise IRMAA (Income-Related Monthly Adjustment Amount) surcharges for Medicare...
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