Could Roth IRAs face taxation in the future? After foregoing the upfront tax benefits of a pretax account for the assurance of tax-free growth, is there a chance the rules could change, making Roth distributions taxable? This thought sends shivers down the...

Those who have been my clients for a while know I tend not to get overly concerned about the stock market’s fluctuations. It’s not because I possess some magical ability to predict the future, but rather because I have a solid understanding of ...

Over the past twenty years, I have guided numerous individuals through their retirement journey, starting from their final day at work and continuing into the later stages of their golden years. In doing so, I’ve observed several hidden expenses that...

Retirement should be a time to relax and enjoy the fruits of your hard work. However, many retirees are caught off guard by the so-called “retirement tax torpedo,” which can significantly increase taxes on retirement income. Before you proceed ...

“Should I convert to Roth IRA?” That’s a question I hear in nearly every initial consultation for retirement income planning. And understandably so – who wouldn’t want to strategically minimize taxes during their retirement years ...

For many Americans, understanding the intricacies of Social Security benefits can be a daunting task. One aspect that often leads to confusion is the Windfall Elimination Provision (WEP). Designed to adjust Social Security benefits for individuals who also...

Saving for retirement is a lifelong process that unfolds through various stages. While the steps may differ based on individual circumstances, a general framework can be outlined. Each stage requires a different approach to ensure a secure and comfortable ...

Given the recent reports of bank failures, there is a growing concern among individuals regarding the safety of their investments in the event of a brokerage company collapse.  It’s understandable why this question would arise since both banking...

The year 2022 was certainly challenging for investors. For the first time since 1969, the values of both stocks and bonds logged a negative return.  Here’s a quick snapshot of the 2022 returns of the major indexes.  But now that 2022 is in the ...

How do you know when you’ve saved enough to retire?   If you do a quick online search for the term “can I retire with”,  you’ll see thousands of search results for “can I retire with 500,000”, “can I retire w...