Your Money's Future

02/16/2025

Do you prefer being taxed as in individual or business?

If you’re a business owner, don’t overlook some of these easy small-business tax deductions that could help improve your bottom line.

01/05/2025

Depend on unpaid caregivers or prepare yourself financially to stretch your dollar to afford paid care.

TIAA Institute head Surya Kolluri discussed the financial and emotional toll of caregiving and offered insights and strategies for families and employers.

01/05/2025

Do what you can now as your New Year's Resolution so you don't have regrets later...

More than two-thirds of retirees wish they had saved more and on a consistent basis — and half wish they hadn’t waited so long to focus on it, according to a new report.

12/18/2024

Who do you know that wants to be flexible by spending less at 3.7% instead of 4%? Plus add in the LTC “wild card” expense, which may mean spend less now to save for the unknown future? Learn how to take risk off the table with guarantees.

Investors may need to lower their first-year retirement withdrawals due to lower expectations for long-term stock, bond and cash returns, Morningstar said.

11/26/2024

I am grateful to be able to help others in the article's 5 areas of personal finance. Happy Thanksgiving everyone!

Personal financial planning isn't just about spreadsheets and savings accounts. It’s also about creating a life where we can find joy, security, and growth opportunities.

11/14/2024

The "average " people "saved" is Not necessarily the actual amount Needed for retirement. Get your own personalized portfolio review and retirement calculation score to better assess your options.

Retirement savers in one state have the most saved up, on average, in the U.S.. Here is the average household retirement account balance for nearly every state.

10/19/2024

Generation X was the first to cope without ubiquitous workplace pensions, relying instead on a new savings tool called the 401(k). Convert 401(k) to have lifetime income as pensions do.

Generation X is next up for retirement, after the baby boom. Is the slacker generation prepared?

09/18/2024

Maximize your tax-free accounts. Can you name all the tax-free types?

If you're getting ready to retire, or even starting to research the process for the distant future, odds are you've heard a lot of advice. Some of it likely better than others. And hey, it worked for...

09/13/2024

September is LIAM to Secure Your Money's Future

Is your financial plan on target? Let’s figure it out. Complimentary Financial Review and plan offer ends this month to get your:

• Tax Free Retirement e-book
• Customized Retirement Roadmap
• Personal accumulation & distribution recommendations
• Estimated lifetime income summary, including Social Security

LIAM - Life Insurance Awareness Month

08/07/2024

This week's headline market news (and it's only Tuesday) has emotions wildly going up and down. Glad I help people understand diversification strategies to have their SWAN - Sleep Well At Night!

07/14/2024

Amazing that $1 million dollars estimated to only last 12 to 20 years. What are your reallocation strategies guaranteed to not run out of money?

Retirees in some states, including California and New York, are looking at higher living costs that could use up their retirement savings faster, according to GoBankingRates.

05/20/2024

Probably not such much as was it a mistake, but probably more so if depending solely on 1 solution. There is no single solution for all financial concerns. That's why the 3 legged stool has more than 1 leg. Utilize the various beneficial options at your disposal.

A New York Times (NYT) article recently sparked a discussion on Reddit about whether the shift from traditional pensions to 401(k) plans was a mistake. The debate captured a range of opinions reflecting the complexities of retirement savings in the U.S. The Reddit post highlighted key points from th...