In Retirement Planning, What’s Your Retirement Personality?
When presenting a plan to a new retirement planning client, sometimes it resonates, and sometimes I get a blank look in response. I can...
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RetirementGuy
Jan 26, 20231 min read
Tax Season is Here. What to Know Before You File
First and foremost, tax filing season has officially started. The IRS began accepting tax returns on Monday, January 23rd. The IRS says...
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RetirementGuy
Jan 26, 20231 min read
6 Questions Your Financial Adviser Should be Asking
Unless your adviser has a complete picture of your current financial situation and really understands your goals (and challenges) moving...
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RetirementGuy
Jan 18, 20231 min read
Tax Doc Checklist for 2022
Every year, it can pay off to get organized and gather your tax documents early, both because you’re likely to receive your tax refund...
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RetirementGuy
Jan 18, 20231 min read
Annuity vs. Mutual Fund: What’s The Difference?
An annuity is a contract between you and an insurance company that’s designed to provide a steady stream of income during retirement. You...
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RetirementGuy
Jan 18, 20231 min read
10 simple investments that can turn your portfolio into an income dynamo
Many people are good at saving up money for retirement. They manage expenses and build up their nest eggs steadily. But when it comes...
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RetirementGuy
Jan 12, 20231 min read
The seven deadly sins of retirement planning
Retirement planning is complex and multi-faceted, and the strength of any retirement plan rests heavily on the robustness of the...
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RetirementGuy
Jan 12, 20231 min read
You Just Got More Control Over Your Retirement Account: Delayed RMDs and Beyond
Like the previous retirement bill passed in 2019, SECURE (Setting Every Community Up For Retirement Enhancement), Secure 2.0 is based on...
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RetirementGuy
Jan 12, 20231 min read
New RMD Rules: Starting Age, Penalties, Roth 401(k)s, and More
There are some new rules for required minimum distributions (RMDs) from retirement savings accounts (e.g., traditional IRAs and 401(k)...
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RetirementGuy
Jan 5, 20231 min read
How 12 Types of Retirement Income Get Taxed
When you're planning for retirement, it's fun to contemplate all the travel, rounds of golf, entertainment and restaurant meals you have...
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RetirementGuy
Jan 5, 20231 min read
Non-Correlated Assets in Your Retirement Portfolio
Historically, the traditional retirement savings plan largely consisted of a portfolio of stocks and bonds in a ratio of 60/40 or some...
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RetirementGuy
Jan 5, 20231 min read
2023 Retirement and Benefit Account Contribution Limits: 401k, 403b, IRA, HSA, DCFSA
The beginning of the year is also a good time to check on the new annual contribution limits for retirement and benefit accounts, many of...
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RetirementGuy
Dec 29, 20221 min read
Inheriting an Annuity? Here’s a Little-Known Way to Stretch Its Tax Benefits
One of the biggest advantages of an annuity, tax deferral, can be lost when anyone other than a spouse inherits an annuity. Then, all...
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RetirementGuy
Dec 29, 20221 min read
The SECURE 2.0 Act’s Impact On Roth IRAs
The SECURE Act 2.0 caught a ride on the $1.7 trillion omnibus spending bill that was unveiled on December 19. While the bill presents...
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RetirementGuy
Dec 29, 20221 min read
Secure Act 2.0 — Here’s What You Need to Know
If you'll recall, the original Secure Act was passed at the end of 2019. It raised the Retired Minimum Distributions (RMD) age to 72,...
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RetirementGuy
Dec 22, 20222 min read
10 things to consider before year end
Here are ten things that you might consider doing before the end of the year to ensure that you are well-prepared for tax season and have...
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RetirementGuy
Dec 22, 20223 min read
Sequence of returns risk and your retirement
Sequence of returns risk, also known as "order risk" or "timing risk," is a type of risk that occurs in the context of retirement...
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RetirementGuy
Dec 22, 20221 min read
Congress may pass new retirement rules. These 7 changes are on the table
There soon may be new retirement rules in place that could make it easier for Americans to accumulate retirement savings — and make it...
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