Pre-Retirees & Retirees

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When Financial "Rules of Thumb" Become Costly

July 15, 2020

Frank and Fiona Eff are a bright couple who saved diligently for their retirement years throughout their adult lives. Each is 50 years old, their children have been raised and launched, and each loves their respective job at ABC Corporation. Frank and Fiona enjoy the challenges and connections of their work so much that they plan to stay at their careers another fifteen years before enjoying a retirement filled with family, travel, and giving back

A white sticky note clipped to a gray surface with a black binder clip. The note reads "To do list:" in blue, and "No thing!" in red cursive. The bottom-right corner of the sticky note is curled up, perhaps hinting at the satisfaction of a well-planned retirement plan.

Prepared…To Do Nothing

May 7, 2020

These last weeks, we’ve had more than our usual share of time to ourselves. There’s a lot happening in the world right now – and not a lot for us to do. This combination of an unsettled world plus leisure time can be a recipe for disaster. The extra thinking time may lead us to come up with new entries to add to our “worry wall.” Perhaps your retirement plan has made that list. With

A graduation cap with a gold tassel sits atop stacks of green dollar bills bound with red elastic bands. Gold coins are scattered around the base of the bills, signifying the financial aspects of education and 529 plans.

529 Plans Redux

April 10, 2020

Each year on May 29 the calendar reminds us of the 529 educational savings plan, and opportunities to fund the plan. However, many people funded 529 plans years ago and are now ready to withdraw the funds for their intended use. Distributed properly, all the earnings in the plan can be income tax free as long as the funds are used for Qualified Higher Education Expenses (QHEE). However, as is sometimes the case, the devil

The image shows the United States Capitol building in Washington D.C., featuring its prominent white dome, columns, and majestic architecture. The foreground includes a circular emblem embedded in the pavement, with a backdrop of a partly cloudy blue sky—symbolic of safeguarding retirement savings for future generations.

The SECURE Act and Your Retirement Savings

December 23, 2019

Last week, President Trump signed legislation containing sweeping changes to the ways Americans will save and plan for retirement. The SECURE Act (Setting Every Community up for Retirement Enhancement Act) puts several provisions in place to strengthen retirement savings strategies. We expect nearly all of our clients to be impacted by this significant legislation and want to inform you of some of its key components. Key Components that Affect Retirement Savings Required Minimum Distributions (RMDs)

Four colleagues, three women and one man, are sitting at a long office table working on computers. They are smiling and raising their hands in celebration or applause. The setting is a bright office with large windows, depicting charts on computer screens related to elder care.

Sandwich Generation: Planning for the Aging Loved One

July 1, 2019

A national study of women’s financial needs and preferences identified “being caught in the middle” as the single most significant challenge respondents indicated they would face in the coming years. To help address this burden, the Family Wealth Advisors’ Council created a series of checklists and tools through their Women of Wealth initiative. Checklist Determine who will be the main contact in the family for helping to plan for future aging stages. It is not

Two hikers stand on a mountain peak, smiling and taking a selfie. They wear backpacks and casual hiking attire. Behind them stretches a landscape of lush greenery, the vast ocean under a partly cloudy sky, reminding them that moments like these are nature's social security, enriching their lives deeply.

A Bird’s Eye View of Social Security

June 21, 2019

Social Security Defined Social Security is a social insurance program administered by the United States federal government to pay benefits to qualified individuals. Social Security retirement benefits are paid monthly, providing income for the life of the retiree. These benefits are calculated based on credits earned per a worker’s wages and can be increased or reduced depending upon the age at which benefits begin. Generally, the longer an individual waits to elect benefits, the greater

When Financial "Rules of Thumb" Become Costly

Prepared…To Do Nothing

529 Plans Redux

The SECURE Act and Your Retirement Savings

Sandwich Generation: Planning for the Aging Loved One

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