Managing your TSP after retirement isn’t just about choosing investments—it’s about creating a cohesive financial strategy that considers taxes, income needs, and legacy planning. This is where working with a...
Read moreMany advisors focus primarily on accumulation strategies—but your retirement years demand more than a one-size-fits-all approach. Effective income planning integrates tax strategy, withdrawal sequencing, risk alignment, and estate considerations. That’s...
Read morePatricia Anderson assumed her pension would always keep pace with inflation. But CalPERS COLAs are subject to annual caps, meaning high inflation periods can erode purchasing power over time. What...
Read moreLow-cost estate plans may seem appealing, but it’s important to understand what is—and isn’t—included. Barbara and David T. initially selected a flat-fee service, only to realize it didn’t account for...
Read moreNot everyone will be able to contribute the full amount. Even partial contributions can have a meaningful impact. Speak with your employer about readiness and build what you can into...
Read moreJames had overlooked multiple benefit options until a financial advisor conducted a comprehensive review. By aligning his trust assets with his other retirement holdings, he adjusted his withdrawal strategy and...
Read moreImproper planning can erode up to 40% of your estate’s value through taxes, legal fees, and probate costs. More importantly, unclear instructions can lead to fractured family relationships and unnecessary...
Read moreHistorical data shows that excluding REITs from a portfolio may have resulted in lower returns and reduced diversification benefits. Research indicates that optimal portfolios often include REIT allocations between 5%...
Read moreThe Retirement Gift That Keeps Giving: 5 Powerful Gifts for Women Ready to Thrive in Retirement Traditional retirement gifts often focus on celebrating the moment — a beautiful watch, a...
Read moreAdvisors are now recommending retirees plan for 100% or more of their pre-retirement income, especially in the first 10 years.
Read moreTake time to evaluate your healthcare options and costs, considering both immediate post-retirement needs and long-term care possibilities. Think deeply about your desired retirement lifestyle and the income required to...
Read moreLet's start with a little neuroscience nugget that might just blow your mind. Did you know that you have something in common with every billionaire on the planet? No, it's...
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