by Steve Gaito | May 20, 2024 | Uncategorized
In the landscape of retirement planning, ensuring financial security requires a nuanced understanding of qualified retirement income options. With decades of experience in this field, I’ve witnessed firsthand the impact of taxes on retirement income and the...
by Steve Gaito | May 20, 2024 | Uncategorized
Long-term care insurance (LTCI) policies have undergone significant changes over the past 20 years, responding to changing demographics and market trends. These changes have resulted in policies that offer more options, greater flexibility, and improved benefits to...
by Steve Gaito | Mar 28, 2024 | Uncategorized
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 targets them, fostering a climate of financial unease and uncertainty. The...
by Steve Gaito | Mar 28, 2024 | Uncategorized
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 is especially true. Many individuals, with good intentions, are unintentionally acting...
by Steve Gaito | Mar 28, 2024 | Uncategorized
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 impact of government risk on your retirement? Today, most of the...
by Steve Gaito | Mar 28, 2024 | Uncategorized
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 that retirement is not about assets, but it is about income. Depending...
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