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The Unfair Burden: How The Tax Code Impacts High Net Worth & Middle Income
In the labyrinth of tax laws and regulations, two groups find themselves at odds with a system that seems to disproportionately affect them, albeit in different ways: high-net-worth individuals and...
Retirement Rules Have Changed
A good friend of mine likes to say” If what you thought to be true turned out not to be true, when would you want to know?” In a nutshell, this is the current environment in Retirement. There are a...
Why Legislative Risk is Important to Understand in Retirement
The Inflation Reduction Act is a great reminder of the Legislative Risk that faces retirees. When most people think of risk in retirement, they think of portfolio risk or market risk, but have you...
Everyone Has an Angle…
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...
Digging a Hole in Retirement
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...
A Simple Question…
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...
Twin Risks in Retirement
For many people, retirement today is filled with challenges. Two of these take the forefront: Inflation and Market Volatility. Some believe that it is what it is, a temporary obstacle in their...
Why is Tax-Free Income Important in Retirement?
As people approach retirement age, they start to think about ways to maximize their retirement savings and ensure they have enough money to live comfortably throughout their retirement years. One...
How has Retirement Planning Changed Since The 401(k) Plan was Introduced?
Since the introduction of the 401(k) plan in 1978, retirement planning has undergone a significant transformation. Prior to the 401(k) plan, most employers offered traditional pension plans that...
The Seven Best Travel Options for Retirees
Retirement is a time to relax, unwind, and explore the world. With the freedom that comes with no longer being tied to a work schedule, retirees have the opportunity to travel at their leisure and...
Why Home Health Care is a Great Option for Long-Term Care
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...
The Negative Impact of Required Minimum Distributions (RMDs) on Taxes & Retirement
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...
How to Efficiently Pass Your Assets to The Next Generation
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...
Longevity Risk in Retirement
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 Income Options From Your Home
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...
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