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Scotty G Scott Groskreutz, ChFC® Meet with Scott: https://linkly.link/2Zz43
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06/13/2026

Avoid hitting the highest tax brackets unexpectedly in retirement by mapping out your strategy now. For high-net-worth retirees, remember that your published tax bracket isn't your true marginal rate, as conversions can increase the taxable portion of Social Security benefits.

06/12/2026

Planning your retirement income is crucial. Ensure it maximizes both your Social Security benefits and your overall financial picture. Visit sgretire.com to learn how to achieve your optimal retirement income goals.

06/12/2026

When traditional accounts are passed on, the government becomes a partner, leading to taxable distributions. A Roth IRA tells a different story, offering a tax-efficient asset that provides flexibility for your loved ones.

06/12/2026

Risk Tolerance vs Risk Capacity are the two measures of desired outcomes for market performance.

06/11/2026

Understanding risk tolerance and risk capacity is crucial for retirement planning. Tolerance is your emotional comfort with market ups and downs, while capacity is what your finances can handle. You need both: capacity without tolerance leads to bailing too early, and tolerance without capacity means one slip can derail your entire plan.

06/11/2026

Waiting to claim Social Security can significantly stabilize your retirement income. See how delaying benefits impacts your 401k withdrawals, providing a more secure financial future.

06/11/2026

Pulling out $60k for a pool for the grandkids and then seeing higher Medicare premiums two years later isn't a sudden change. It's the system catching up to your increased income. A solid plan maps out conversion amounts to stay under IRMAA thresholds and weighs long-term value against short-term premium hikes.

06/11/2026

If you're in a low tax bracket now and expect a higher one later, a Roth IRA is your best bet. Pay the smaller tax today to skip the bigger one tomorrow. It's a simple strategy for long-term savings.

06/11/2026

If you're in a low tax bracket now and expect to earn more later, a Roth IRA is a strategic move. Pay the smaller tax now to avoid a larger one in the future. For peak earners today, consider that retirement income might land you in a much lower bracket. Why pay 30% now when you could pay 12% later?

06/11/2026

Investing $10,000 in a Roth means paying 25% tax upfront. It doubles to $15,000 tax-free. The MMA rule also involves similar growth and tax rates. The key difference lies in when your tax rate changes or when a strategy creates an edge.

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