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Should I Pay Off My Mortgage Before Retiring?

June 30, 2026

QUICK ANSWER For most pre-retirees, paying off your mortgage before retirement often reduces your fixed monthly costs, simplifies cash flow, and lowers the risk that a market downturn forces you to sell investments at the wrong time. It is not always the right call. If your mortgage rate is below your expected portfolio return, your liquidity is limited, or you would have to draw from tax-advantaged accounts to do it, keeping the mortgage may leave

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2026 IRS limits announced

November 14, 2025

NOTE: If you are viewing this on a mobile phone, turn your screen horizontally to align the columns. The U.S. Government is finally open again and the IRS announced 2026 limits affecting retirement plans and other qualified savings vehicles. You will see the changes in bold in this quick reference.  For advice on tax planning, book time with a SYM advisor. Contribution Limits 2026 IRA Contribution IRA Catch-up Contribution 401(k) Elective Deferrals 401(k) Catch-up Contribution

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Everyone Needs a Financial Plan

May 27, 2025

Recently SYM Financial Advisors’ very own Michelle Hipskind spoke with Business People Magazine. In her interview she outlines 5 steps to a solid, flexible plan that can make (or break) your financial future. Here are the basic steps to an effective financial plan.   Step 1: Realize You Need Help You can’t know what you don’t know. There will come a time when you’ve amassed sufficient funds through hard work or possibly inheritance, started or

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Prioritizing Various Types of Savings

July 11, 2024

Saving is a key element to financial planning. How do you know that you are saving in the right places at the right time? This visual provides guidance around how we at SYM Financial Advisors prioritize savings and investments with tax efficiency in mind.  Contact us to dive deeper and customize your financial plan. 800-888-7968.

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