While estate planning is certainly not the most joyful part of the retirement planning process, planning for what might happen if you have an unexpected health
Read More
A strategy of converting traditional IRA (or pre-tax 401k) balances to a Roth IRA is valuable for many.
Current Lower Tax Rates Set to Expire at the End of
This one financial product generates many questions...and some controversy. Annuities - are they good or bad?
Read More
Before we get into creating a Retirement Spending Plan and share a link to the spreadsheet we use for this exercise, let’s first explore what a Retirement
Read More
A seemingly simple question of "what age should I retire?" is actually quite complex when one considers their personal definition of retirement and their unique
Read More
The Value of Dynamic Withdrawal Rules
We have written in the past about the value of tax management strategies and mentioned that Vanguard, in their Advisor’s
I have no idea who originally said it, but we have all heard the line, "there are only two things in life that are certain: death and taxes."
Read More
Retirement planning is still a relatively new discipline within the wealth management industry. Especially when it comes to asset decumulation, or the funding
Read More
There are fundamentally two types of security investments: debt and equity. A debt security is a bond, and an equity security is a stock. Issuing bonds is an
Read More
If you have not already, you will likely figure out that financial advisors go by dozens of different titles that do little to differentiate. Further, you will
Read More
Why Do We Care About Taxes?
We care because we want to pay less of them to stretch or optimize our limited resources over our lifetimes. In retirement, there
Optimizing Limited Retirement Resources
Given their limited resources, retirees are often searching for ways to make the most of their situation. One of the