Retirement Insights

Why We Only Work with People In or Near Retirement

January 6, 2022

  Before you go on a journey, you probably check to make sure you have everything you need—like the appropriate tools and the right team lined up to help you along. For example, if you’re going hiking, you’d make sure you have a backpack, compass, water bottle and guide. Retirement planning is much the same; […]

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How Much of Your IRA Belongs to Uncle Sam and What to Do About It

December 9, 2021

When you open your IRA statement, it’s hard not to feel excited when you see the number with all those zeroes behind it. But you know who else is excited? Uncle Sam. That’s because within all those zeroes is a debt he can’t wait to collect.  When you take distributions from your IRA or other taxable accounts, that money will […]

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Active vs. Passive Investing: Which is Best for Retirees?

December 2, 2021

If a friend or family member were to ask what your investment style is, would you say “active,” “passive,” or “something passive aggressive”? If the latter, you’re probably in the majority. There’s a lot of talk in the financial planning industry about what role active and passive investing should play in your portfolio, and let’s be […]

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How to Determine the Right Amount of Risk in Your Retirement

November 18, 2021

It All Comes Down to Want vs. Need    Congratulations, you’re the next contestant on The Risk is Right! Guess the right amount of risk for your portfolio and you’ll win a worry-free retirement! So, what’s the right answer?    The right answer is “it depends.”    Yes, you read that right: it depends. We’re sorry to say […]

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What Role Will Social Security Play in Your Retirement?

November 11, 2021

Figuring out how and when to elect Social Security can be downright puzzling, especially when it comes to ensuring you’re maximizing what you’re entitled to. Good thing a retirement planner knows what to do. And it all starts with the development of a personalized plan for how you’ll make every dollar go the distance.     Why You Need a Strategy  First, […]

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Don’t Feel Confident About Retirement? This Might Be Why

October 21, 2021

A report from the not-for-profit Insured Retirement Institute found 50% of boomers—including those who currently have a financial advisor—don’t feel optimistic about their transition to retirement. If you’ve ever worried whether you’ll have enough money in retirement, then you probably know the feeling well. What’s driving the apprehension and what can be done to boost […]

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What is an Annuity? And Could it Be Part of Your Retirement Strategy?

October 13, 2021

Ah, annuities: the product the financial services industry loves to hate. But are the hard feelings warranted? Let’s breakdown why annuities got so bad a rap and whether today’s products deserve fresh consideration.     First, what is an annuity?   Annuities are a long-term investment designed to deliver a fixed income stream for a […]

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Planning for Retirement vs. Planning in Retirement

October 6, 2021

Planning for retirement vs. planning in retirement. What’s the difference, you ask? If the question has you picturing Fred Astaire and Ginger Rogers crooning “to-may-to, to-mah-to, po-tay-to, po-tah-to,” we don’t blame you. But unlike Fred and Ginger, we really are talking about two different things.     Everyone understands the need to plan for retirement. But for some folks, it’s news that the planning doesn’t stop once you get there. In […]

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The Smart Retiree’s Cheat Sheet for Trusts

September 30, 2021

Find Out What Each Type of Trust Does (or Doesn’t Do)  For many of our clients, having a trust is a must. That’s because in this life stage the focus shifts from building wealth in the climb to retirement to tackling the other side of the mountain—preserving that wealth so it lasts through (and beyond) your retirement. Trusts can be one of […]

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The History of Retirement Planning Might Surprise You

September 23, 2021

Necessity is the Mother of Invention We’re often asked what the difference is between a retirement planner and a financial advisor and why it’s important. But to truly understand why retirement planning matters, it helps to know how it came to be.     If “retirement planning” sounds new that’s because it is, at least in the context of human history. […]

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