Retirement Planning

Does your spouse stay home to raise the kids or manage the household? Did they take a career break for school, or do they work part-time with a low income? If so, you're likely facing one of the most common retirement planning anxieties I saw in my 30-year career:  How...

Imagine you've spent decades carefully saving for retirement. Your nest egg is ready. But then, a not-so-welcome surprise arrives: your first Required Minimum Distribution (RMD). The IRS is knocking, and you’re asking the right question: "Is my RMD considered earned income?" The direct answer is no. But as a financial...

Are you staring down the barrel of Required Minimum Distributions (RMDs) and wondering if you can just lump them all together? As someone who spent over 25 years as a financial planner helping folks understand retirement rules, this is one of the most common questions I’ve encountered. Once you...

You’re sipping your morning coffee when it hits you. Recent changes to retirement laws could dramatically shape how you manage your finances. The SECURE Act 2.0 introduces new rules that promise to significantly impact your savings and RMD strategies starting in 2026. Here's what matters most about these key provisions and...

Retirement planning is a topic that often sparks stress and confusion—especially as new financial challenges arise each year. Did you know, according to studies by Forbes, nearly 30% of Americans saved less than $5,000 for retirement? This alarming statistic underscores the importance of proactive retirement planning knowledge. Making it...

Last June, a client named Sarah, a 45-year-old ER nurse, told me, "I feel like I'm running on a financial treadmill and the 'off' button is broken." She was saving aggressively but had no real strategy. Her fear wasn't about a number; it was about running out of time. The...

Nearly 40% of American households run short of money in retirement. Even more alarming: in 2025, almost two-thirds of savers (64%) worry more about running out of money than death itself. This isn't just anxiety—it's a planning failure. The right retirement withdrawal strategies can transform retirement from anxious to comfortable....

Did you know that not taking your Required Minimum Distribution (RMD) can lead to a hefty 25% penalty? Many individuals underestimate the significance of RMDs, thinking they can postpone withdrawals from their tax-deferred retirement accounts. However, it's essential to understand and calculate RMDs for effective retirement planning. Picture a...

Ever found a surprise boost in your Social Security payment? It happens more often than you think. In fact, unexpected changes in Social Security benefits are common, often tied to adjustments that many retirees overlook. So, why did you get extra money from Social Security this month? Understanding the intricacies...

Have you ever wondered if $4,000 a month is the magic number for a worry-free retirement? Do you think think that you can live on $4,00 a month in retirement? It's a burning question on the minds of many soon-to-be retirees. Imagine a life where you can kick back,...