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When retiring early, married couples can use this little-known (and legitimate) strategy to take a six-figure income every year — tax-free....
Ever since I left my day job in 2012, I’ve used a form of the dumbbell investing strategy to grow my wealth while protecting against large losses.It’s a framework that’s helped me st...
If you're like many retirees we meet with, you may struggle to spend confidently in retirement, even when you've saved enough. Here, we explore a potential strategy: an alternative to the annuity-base...
In an analysis stretching back to 1926 of 75 different retirement scenarios, Craig Israelsen compares five different retirement portfolio withdrawal strategies, from a fixed annual amount to the 4% ru...
Like presidents, tariffs come and go. Policy changes also shift about every two years with the election cycle. If you're paralyzed by uncertainty, you could be missing opportunities to benefit your fi...
Understanding the nuances of Roth conversions can help you avoid forking over more money in taxes than you need to....
I recently received a question that boils down to this: How do you know when you have enough money? And once you do, when is it time to shift from chasing excess returns to simply maintaining what you...
A little-known feature of RMD tax withholdings could help minimize a client's effective tax burden. Not all financial advisors are on board with the strategy....
A financial professional recommends thinking in terms of three financial stages — active years, slower-paced years and later years — assigning each one a unique bucket of investments....
See how your retirement investment choices impact replacing your income in retirement. Discover the impact various combinations of stock and bond mixes can make....
Creating an investment game plan is a crucial part of building lasting wealth. Without one, you're likely to accumulate far less over your lifetime. Now that the S&P 500 briefly corrected by 20% i...
Splitting retirement funds into three buckets with distinct tax treatments can help you avoid a nasty tax bill down the line. Here's how the strategy works....
I’ve been retired for three years and, so far, my investments have grown more than I spend. Although 2022 was a tough year to retire into, my total annualized return is currently about 11%. I ha...
How is a cash balance retirement plan like a Kardashian? Everybody’s talking about them, and…...
How Does Home Equity Fit Into a Financial Independence Strategy...
What Industry Experts Say About Financial Strategy and Business Growth...
Maximize your retirement savings and minimize your tax burdens by taking advantage of the strategic 'Golden Window' before Social Security and RMDs begin....
Knowing what your three tax buckets are and how to move savings from the tax-deferred bucket to the tax-free bucket can make a big difference in retirement....
If I don't continue at my current job, I'll need health insurance for approximately 1-1.5 years until Medicare is an option at 65. Cobra is expensive, so what have others here with perhaps similar sit...
Hi all, I am posting here to get the collective wisdom of this community on the subject of credit cards. I am 66 years old and retired last year at age 65, although that was not of my own choosing. I ...
Direct indexing, an advanced investment strategy, allows investors to own individual stocks within an index instead of a mutual fund or ETF, offering greater control and flexibility. This approach is ...
If you own a business and have young children, here’s a tip with the potential to transfer wealth to the next generation tax-free....
To make sure you're in control of retirement spending, rather than the other way around, allocate funds to just three purposes: income, protection and legacy....
One of the reasons my team at Keen Wealth puts so much care into personalizing our comprehensive planning process is that there's no one path to a successful retirement. Yes, we often incorporate some...
Here’s the thing: retirement isn’t just about hitting a magic number—it’s about understanding what you actually want out of your life once work is no longer in the picture. In ...
When picking which type of 401(k) or IRA is right for you, consider whether you want to save a little on your taxes now — or save a lot more on them later....
Chris was burned out. Despite enjoying aspects of his work, the relentless grind of long hours and aggressive saving left him exhausted and longing for retirement. His goal was to save as much as poss...
Jennifer, 54, plans to retire soon. Her husband, 70, is retired, on Social Security, and dealing with some severe health issues. Jennifer worries about possibly becoming single in retirement, which co...
Professional financial advisors often struggle with sales, but there is an approach to business development that is fully aligned with the fiduciary ethic we espouse....
How can you do more of what you enjoy in retirement? Start by creating a plan. Watch a free clip from the “Retirement Ready: Building Your Financial Plan” online […] The post The Bu...
Consider treating investing like it's both a marathon and a sprint by taking advantage of the powers of time (the tortoise) and compounding (the hare)....
Does your state allow automatic IRAs for employees without a 401(k)? It could be a powerful tool for your retirement....
Financial advisors, tax professionals and their clients will need to make careful planning decisions about claiming Social Security benefits and starting distributions....
Many investors are retreating to safer investments until after the election, but doing so could result in missed opportunities. Here's what to do instead....
Don't wait until you're no longer working to determine where your new income will come from....
Tax efficient withdrawal options depend heavily on relative balances in tax-deferred, tax-free and taxable accounts....
Here are some key considerations for using the collar strategy of put options and covered calls to safeguard your wealth in retirement....
Discover how radical optimism can reshape your personal finance approach—from embracing uncertainty to anticipating the future—and unlock sustainable wealth and well-being. The post Radica...
Upstream basis planning can help younger wealthy people pay less taxes on highly appreciated assets if they appoint an aging relative as a trust beneficiary....
The "Three Bucket Strategy" is a popular retirement income planning method. The first bucket covers immediate expenses in retirement. Listeners John and Donna are seeking advice on constructing their ...
Retirement, a phase many of us anticipate for a long time, comes with its own set of financial intricacies. Specifically, how do you effectively withdraw funds from your savings to ensure a comfortabl...
September 17, 2024 – Welcome to another installment of my Options Trading Series. Please click here for the Options Landing Page for more details about the strategy. People frequently ask me how...
One of the investing strategies growing in popularity with the wealthy is Direct Indexing. Before my consulting stint at a fintech startup in 2024, I had never really heard of Direct Indexing. If I di...
If you haven’t saved enough for the retirement you want, consider downshifting as your retirement Plan B....
No one can exactly predict the direction of interest, although we can make educated guesses. According to a recent article ... Read more...
Last month, consumer sentiment dropped to the lowest level in six months. However, the economy is strong. Why are consumers feeling down about the economy? Inflation is slowing, but prices are still g...
With the recent market jumps, the number of investors with $1 million in their 401(k) has also seen a boom. Here's how you can save and enjoy the next market push....
Concerned about RMDs? Worried about outliving your retirement savings? A qualified longevity annuity contract defers some RMDs and guarantees lifetime income....
I’ve done my fair share of traveling over the years, mostly while I was young and living on a tight ... Read more...
Occasionally, the term “infinite return on investment” is mentioned in real estate investing. This strategy helps real estate and business ... Read more...