• Pothole #1- Continuing to put more value un your net worth or portfolio value than your income amount.
• • Prevent the Damage! Call it what you want, develop a budget/spending plan so you can build a plan to give you secure monthly income.
• Pothole #2- Under estimating the impact of taxes on your retirement portfolio. 
• • Prevent the Damage! Start now to build your tax-free sources of income. 

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1. Can I take RMD money and put it into a ROTH IRA?
2. I just sold my home, can I put these proceeds into a ROTH IRA?
3. I'm still working at age 73 and all my retirement savings are in my active 401k. Can I roll that money over into an IRA?
4.  

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1. Lay out your wishes and desires in writing while you are able.
2. Take control of your end-of-life decisions and directions.
3. Leave your legacy in the most advantageous way possible.

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1. Before you retire, find out what benefits your company provides that may be portable .
2. If you retire before age 65 or your spouse is under 65, address the health care coverage you will secure until eligible for Medicare. 
3. If retiring after 65, decide whether a Medicare Supplement or a Medicare Advantage plan best fits your needs.
4. For ultimate needs, a plan to address Long-Term care and Advantage Health Care Directive are key.

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1. Know your marginal tax bracket
2. The difference between regular income and capital gains
3. How you could pay excess Medicare premiums
4. Take the MACRO not the MICRO approach to taxes
5. Don't get caught in the RMD trap
6. Social Security income could likely be taxed
7. Harvesting from the forever taxed IRA to the tax-free ROTH
8. Don't get caught by the widows penalty
9. Tax laws are written in pencil

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1. In the good old days of investing, you could play it safe and not starve.
2. After a 13-year bull market with a major downturn, YOU SHOULD NOT BE INVESTING LIKE YOUR DAUGHTER.
3. You should INVEST AT A RISK LEVEL THAT ALLOWS YOU TO SLEEPAT NIGHT!

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1. Inflation makes a bigger impact than most think
2. Many Retirement Plans are not built to counteract a rise in inflation
3. How you can protect yourself against inflation

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1. Start by getting specific with what most consider a four-letter-word; B-U-D-G-E-T! Get specific.
2. Total all your personal sources of income and subtract to determine your potential GAP.
3. Determine the Three Bucket Strategy; At risk or insured, that best fits your internal risk tolerance.

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1. When you retire your income will generally not come from employment but from assets you have set aside, plus Social Security.
2. Social Security claiming decisions are often complex, so get specific advice, not just general information.
3. Pensions, Rentals, and Royalties are often common sources of retirement income.

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9. Estate Tax thresholds are huge right now, but there may be a storm cloud building on the horizon. 10. You actually get a little added standard deduction bonus once you reach age 65.

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