Should you contribute to a traditional 401(k), a Roth 401(k), or a combination of both? With new Roth catch-up contribution rules in effect, understanding the tax implications of each option is more important than ever.
Annuities are often misunderstood—but when used appropriately, they can play an important role in creating reliable retirement income. In this article, we explore how annuities work, the different types available, and when they may (or may not) make sense as part of a comprehensive retirement plan.
As retirement approaches, many investors naturally become more focused on preserving wealth and generating income. But if a portion of your assets is ultimately intended for children, grandchildren, or other beneficiaries, those dollars may deserve a different investment strategy—one built around longer time horizons, tax efficiency, and creating a lasting legacy.
More clients are using AI tools like ChatGPT to learn about investing, taxes, retirement, and financial planning—and that's not something to fear. In fact, some of the best planning conversations start when clients bring their questions, ideas, and curiosity to the table, creating opportunities for deeper understanding and better decision-making.
Private equity investments may soon become more common inside 401(k) retirement plans—but greater access doesn’t always mean greater simplicity. This article explores what private equity is, why regulators and large investment firms are pushing for broader access, and the potential benefits, risks, fees, and fiduciary concerns retirement savers should understand before embracing the trend.
Retirement income planning isn’t just about finding a “safe” withdrawal number—it’s about creating a flexible plan that can adapt as markets and life inevitably change. Income guardrails can help reduce the fear and uncertainty many retirees feel during market downturns by providing a thoughtful roadmap for when and how spending adjustments may be made along the way.
