SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The SYM Financial Advisors logo.
SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The SYM Financial Advisors logo.

Pre-Retirees & Retirees

SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: a torn piece of paper with the word “MEDICARE” resting on US currency, representing the focus of SYM Financial Advisors.

Medicare Planning for Retirement: A Comprehensive Guide

April 12, 2022

Why does Medicare remind us of Swiss cheese? Because it has many, many holes. Especially for those who have not properly researched their healthcare options before signing up for a program. Jokes aside, Medicare planning for retirement is a serious matter. It can be confusing and daunting. Our team at SYM Financial has covered the basics of Medicare before, so today’s article will briefly review the structure of the program before diving into the most

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A SYM Financial Advisors referee, from the independent, commission-free fiduciary with 55+ years of serving clients, wearing a striped shirt and cap blows a whistle while holding a yellow penalty flag, with the text “EARLY RETIREMENT” overlaid at the top.

How to Avoid an Early Retirement Penalty

March 2, 2022

Every now and again, SYM Financial advisors and planners run into clients who retire early. There are many good reasons why someone might “retire early” in the eyes of the IRS, which is any time before reaching the age of 59½. Some are ready to separate from their jobs sooner than they had anticipated. Others may be impacted by layoffs, workforce reduction, or health problems that make it difficult to continue working. No matter how

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Infographic titled 2 Minds of Financial Decision-Making, featuring a split brain graphic to compare logical and emotional perspectives, as studied by SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients, to help them avoid the pitfalls of a non-fiduciary approach.

The Cost of Emotions in Financial Decisions

February 14, 2022

You might think that the hardest financial decisions are knowing which investments to pick, mitigating downside risk, or understanding how taxes might impact your returns. But there is one thing that can derail your investment portfolio even faster than poor investment choices and tax mistakes. That is the voice inside your head. On the surface, our daily thoughts and emotions may seem trivial. However, they can trick us into chasing after investments that don’t make

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Infographic titled “Tax Time Checkup” for SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients, showing that 62% of Americans expect a tax refund, with a breakdown of planned uses including savings, debt, daily expenses, home improvements, major purchases, and vacations.

Next Year’s Income Tax Planning Starts Now

February 1, 2022

Whether you are the type to submit your tax filing early or you wait until the April 15th deadline, there are ways to make the annual necessity easier on yourself. Income tax filing doesn’t have to be a frantic race. If you develop the right habits now, you can take small steps all year long, which will make the tax-filing project much simpler. That can lead to a quicker, smoother filing — and can potentially

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An older man in red swim trunks and sunglasses relaxes on a blue inflatable pool float in shallow, clear water, representing the lifestyle supported by SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients.

What Does Inflation Mean for Your Retirement

January 13, 2022

Imagine that you’re retired, living on a fixed income, and your energy bill has just gone up by 11 percent. On top of that, your gas tank now costs 50 percent more to fill up, and groceries cost 5 percent more than usual. That might sound crazy, but this is exactly what’s happened over the past year. According to the U.S. Bureau of Labor and Statistics, the consumer price index (CPI) for all items has risen

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: A red pushpin marks the 30th on a calendar with the word “RETIRE” written above the date, a goal SYM Financial Advisors helps clients reach.

Setting Your Retirement Date: Are You Too Late or Too Early?

January 11, 2022

How much thought have you put into your retirement date? If you said “not that much,” then you are in good company. Most people simply assume they’ll retire whenever they become eligible for Social Security benefits. However, it doesn’t have to be that way. There’s a lot more that goes into retirement planning than just your age. According to a study conducted by Columbia Business School’s Center for Decision Sciences, the act of thinking about

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