One of the most common concerns for retirees is the fear of running out of money in retirement.   While some advisors may suggest loading up on stocks or investing in riskier investments, chasing higher returns, that’s not the right answer for everyone and probably not for most. There are other choices that can work quite well.  

The markets have had a challenging year! But, just like the weather, this too shall pass! The question is when that will happen. We’ll share some thoughts on historical market corrections and some ways that can help you sleep better at night.

Critical tax planning is an important part of retirement planning! QCD’s and Roth Conversions are some easy strategies to use.  We’ll talk about those and a couple of other strategies that could help you keep a lot more of your money in your pocket and not send it to the IRS!

Have you seen the videos of incredible mazes of dominos that create amazing images when they fall down in a carefully predesigned manner?

It takes years of study and practice to get it just right. But, with the slightest bump, they'll go crashing down in total disarray. A similar chain reaction in our economy could threaten your retirement. 

If there was one perfect investment, we’d all be in it! Since there’s not, it’s important to understand the trade-offs involved with any investment. So let’s keep it simple and explore the bucket strategy to help you reach your investment goals.

When you save well for your retirement, you’re in a better position to choose when you want to retire. However, sometimes working longer can yield benefits more valuable than money!

If you’ve saved for your retirement in tax-deferred retirement accounts like IRAs and 401ks, you’ll have to take Required Minimum Distributions when you reach the appropriate age and the distributions are taxable the moment you take them out. The more you saved, the larger the required distribution! There are ways to reduce how much of that distribution is taxable.

Does your advisor ever ask to look at your tax return? Does your advisor ask you about your potential for longevity, your health and your retirement goals? And, does your advisor explain things like sequence of returns and how that could impact your retirement future?

As you put your retirement planning into place, an important question becomes how should you invest? Under the mattress? In the bank? Out on the skinny branches full of high risk while you try to capture big returns? Or is there something better?

Are you living a Just-in-Case retirement? With inflation, market volatility and a looming recession it’s difficult to relax and enjoy retirement when there are so many doubts about the future. Sound like you? Find out how to replace uncertainty with confidence and live the retirement you dreamed you would.