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What the High Social Security COLA Could Mean for Your Retirement Finances

Social Security recipients will see a 5.9% increase in 2022 - the largest increase since 1982! This means that the average recipient will see a $92 a month raise starting next year.
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3 Uncertainties You Could Face in Retirement

The only certainty in life is that there will be uncertainties. However, that doesn’t mean you can’t create a plan to address them.
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Can You Be Forever Young?

In a landmark “Counterclockwise” study at Harvard University,[1] a group of men in their 70s went to a retreat locale that was a sort of time machine back to 1959.
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Major Changes That Could Happen During Your Retirement

Do you ever feel like you live in a completely different world than you did 20 years ago? It’s worth thinking about how different it will be in another 20 years.
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Are There Four Stages of Retirement?

Everyone talks a lot about how to prepare for retirement financially. But what about how to adjust your mindset in retirement and manage expectations?
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The Potential Hidden Costs of Inflation

You’ve probably heard about or experienced the effects of inflation – everyday items can cost more, and the monthly inflation numbers make the news.
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Tips On How to Be a Lifelong Athlete

You may be interested to know that about 12% of U.S. tennis players are between 45 and 55, and 11% are 55 and older.[1] There are many sports that you can enjoy and excel at in your 50s and beyond.
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Examining the Future of Social Security, Medicare, and Your Taxes

The Social Security trust fund is now expected to be depleted by 2034, according to a recent report from the Social Security and Medicare trustees.
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How Prepared Are You for an Emergency?

When we consider everything life can throw at us, it seems important to prepare for setbacks. We’ve seen forest fires in California, Hurricane Ida, flooding in Tennessee, plus a continuation of COVID this year. There’s no getting rid of all the risks in life, but a solid plan goes a long way, whether it’s having a first aid kit in your office or a financial plan as you enter retirement.
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How Would You Handle a Retirement Curveball?

Sometimes life gives us lemons, as the saying goes. In order to make lemonade, you need a plan. Whether it’s a financial crisis or a personal setback, there are events that can upend your retirement if you’re not prepared.
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3 Reasons Why Fall Might be the Best Season

Summer is over, but that's a reason to celebrate. Autumn is arguably the most beautiful season and the best time for gardening, spending time outside, and traveling.
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Three Eroding Forces on Your Retirement Savings

Over 60% of Baby Boomers are more afraid of running out of money than of dying, according to a recent survey.
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Are You Close to An Important Birthday?

When we think about important birthdays, we think of 18 and 21, but what about 59 ½ or 72? Just because you’re older doesn’t mean you don’t have more milestones to hit.
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4 Types of Retirement Income and How They’re Taxed

Taxes don't stop when you stop receiving a paycheck. If you have multiple sources of income in retirement, your tax burden could be substantial.
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Watch Out for Tax Scams

Return prepare fraud can be very common during tax season[1] and scammers tend to target older adults. Digitization has made tax preparation easier but has also opened up a whole new world of criminal activity.
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Don’t Forget About These Big Retirement Expenses

The rule of thumb says you'll need about 80% of your pre-retirement income in retirement, but everyone is different. Many retirees want to upgrade their lifestyle in retirement or maintain their current lifestyle.
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Have You Factored Inflation into Your Retirement Plan?

When lower-risk investments like CDs and bonds offer near-zero returns, it can make retirement planning more complicated. The Federal Reserve expects to keep the current near-zero rates through 2023.
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Will You Have to Retire Earlier Than You Expected To?

If you're nearing retirement age and know you're not financially prepared for retirement, your solution may be to work longer. While forgoing an early retirement can be prudent, your career might not last as long as you'd like it to.
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Prepare for Taxes On Your Retirement Accounts

The Biden administration has already spent $1.9 trillion on COVID relief and has plans to spend trillions more on infrastructure projects, Medicaid expansion, education, and climate investments.
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Retirement Has Changed – Have Your Plans?

People are retiring differently today than in the past — just think, will you retire exactly like your parents did? Probably not. Retirement is no longer about the end of a career; it's about the beginning of a new, often quite active phase of life that could last decades.
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4 Retirement Lifestyle Predictions

Do you think your retirement will look exactly like your parent's retirement? The answer is probably "no", and hopefully, it's "it will look even better."
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4 Reasons to Have a 401(k) Strategy

If you've saved a substantial amount in a tax-deferred retirement account, it will no doubt be instrumental in retirement. The next step is to strategize how you'll use those savings.
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4 Major Retirement Challenges to Overcome

Today's retirees may be the richest the world has ever seen with Baby Boomers holding more than half of U.S. household wealth as of the end of 2020.[1]
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Have You Solved Your Retirement Puzzle?

Have you ever been totally stumped by a puzzle or brain-teaser? Maybe that's why we're impressed by people who can solve a Rubix Cube in seconds, or finish a thousand-piece jigsaw puzzle, or do the Sunday crossword puzzle in pen.
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Looking Forward to Summer and Retirement

If you're planning on taking a vacation, it's probably something that you've looked forward to for a while now. Maybe you haven't traveled much since before the pandemic and want to this summer.
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Practical Tips for Starting Your Retirement Off on the Right Foot

Retirement planning can be stressful because there are a lot of things to keep track of. One of the steps that often gets overlooked is announcing to your employer that you are going to retire.
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Why the Future Isn’t Always What You Expect

You might have a lot to look forward to in the future. Maybe your children will graduate from college, maybe you'll become a grandparent, and of course, you'll retire!
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Is a Big Retirement Move Right for You?

Some people dream about retiring and jetting off to a tropical location to start a new life. In reality, the majority of people, when asked if they want to stay in their house once they retire, say yes.
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Handle Life’s Busy Seasons Like An Accountant During Tax Season

Generally, accountants have a good work-life balance, but they're notoriously busy during tax season. From January to April, their workload increases significantly, and they must come up with new techniques to manage their time.
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5 Things to Know About COVID and Your Taxes

We’ve entered a full year of living with the pandemic, and there have been several events during the year that could affect you this tax season. In April 2020, the CARES Act (Coronavirus aid, Relief, and Economic Security Aid) provided relief to individual Americans and businesses and temporarily altered some parts of the tax code.
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Concerned About Taxes On Your Retirement Account?

You might expect your tax burden to decrease in retirement — after all, you're no longer receiving a paycheck that incurs income tax, the payroll tax, and Medicare tax.
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3 Reasons to Review Your Tax Strategy

Now that President Biden has been sworn in and the Senate is evenly split between Republicans and Democrats, it's time to consider what tax policy changes could be coming.
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What’s In Store For Us in 2021?

We'e all looking forward to the new year more than usual. Even though COVID will remain in 2021, the changing of the calendar can bring about a new mindset and optimism.
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Ready to Retire in 2021? Ask Yourself These 3 Questions

Will 2021 be your retirement year? And how do you know when it’s time to retire? For some, retirement comes at a milestone. Maybe it’s 35 years on the job or your 65th birthday, or maybe your goal is to retire when you have a certain amount in savings.
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3 Tips for Staying Put in Retirement

It's easy to fall into the trap of following a script when it comes to retirement, especially if you're unsure of how to create your own plan. This "script" can dictate a retirement age, lifestyle, and even important financial decisions.
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3 Ways a Financial Advisor Can Help You With Tax Strategies

They say there's no such thing as a free lunch, but what about a tax-deductible lunch? While many of your income sources can be taxed, there are strategies to minimize your overall tax burden before and in retirement.
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4 Reasons to Be Optimistic About 2021

You might have a lot to look forward to in the 2020s. First of all, 2020 is over! Maybe your children will graduate from college, maybe you'll become a grandparent, and maybe you'll retire.
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3 Easy Ways To Get On-Track for 2021 & Beyond

Only 28% of Americans will actually make New Year’s resolutions that are financial in nature, according to a recent MassMutual survey. Perhaps more should – retirement requires significant planning and there’s no better time to start than at the beginning of a new year.
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How Will Social Security Benefits and Taxes Change Next Year?

The Social Security Administration recently made some important announcements that workers and retirees should note, including a Social Security benefit increase – and a tax increase.
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The 3 Biggest Concerns You Could Face In Retirement

When you think of retirement, you might think of the vacations you'll go on and all the free time you'll enjoy with friends and family. There's so much to enjoy about retirement, but it also comes with its challenges.
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3 Ways Life Could Be Different In 2050

2050 seems like a long time away, but 2019 seemed far away in 1989. Back then, did you think a cell phone would fit into your pocket? Or that you could shout at Alexa to order you more paper towels without getting off the couch?
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3 Things You Can Do If You Don’t Qualify for a Roth IRA

There's evidence to suggest that we might be experiencing historically low tax rates right now. The Tax Cuts and Jobs Act will expire in 2025 or possibly sooner, and total government debt is expected to almost equal the size of the U.S. economy.
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Check the background of this financial professional on FINRA's BrokerCheck