Retirement Planning
10 min read
10 Nov 2025
What to Do If You Are 50+ With Over $2 Million in Your 401(k)
A sum of $2 million in a 401(k) is a pretty good figure. To put it in perspective, if you think about how many 401(k) balances are over 2 million, there aren’t quite that many. Reports show that the average balance for people in their 50s ranges from about $199,900 to $592,285. That means someone […]
10 min read
26 Sep 2025
The Hidden Cost of Rolling Over Your 401(k) to an IRA
Every time you consider moving your retirement savings from your old employer’s 401(k) into an Individual Retirement Account (IRA), you hear that it’s simple, smart, and often more flexible. You gain more control over which instruments you can invest in and eliminate the hassle of juggling multiple accounts. But there’s a catch. Beneath that smooth […]
9 min read
17 Sep 2025
How to craft the perfect financial plan for short, medium and long term goals
Financial planning is not a singular decision; it’s a series of well-timed, interconnected moves. Each move serves a different purpose, yet all must align with one overarching objective: securing your future on your terms. Short, medium, and long-term financial goals are the scaffolding for that future. They dictate how you allocate resources, manage risk, and […]
12 min read
05 Aug 2025
Deciding What to Do with Your 401(k) Plan When You Change Jobs
Changing jobs is often a moment of optimism and renewed purpose. New responsibilities. Better compensation. Maybe even a new city. But amid the excitement of offer letters and onboarding checklists, there’s one often-overlooked question that can quietly shape your retirement future: What happens to your 401(k) when you change jobs? You’ve spent years contributing, watching […]
11 min read
22 Jul 2025
How to Rollover your 401(k) in 5 Easy Steps
Are you thinking about rolling over your 401(k)? People usually arrive at this conclusion if they have changed jobs or just want better control over their retirement funds. A 401(k) rollover refers to transferring money from one retirement account, such as an old employer’s 401(k), into a new 401(k) or an Individual Retirement Account (IRA). […]
10 min read
08 Jul 2025
Things to Know If You Are Planning an Early Withdrawal from Your Roth IRA
Are you thinking about cashing in on your Roth Individual Retirement Account (IRA) early? Before you make the move, it is important to understand what you are really signing up for and how this one decision affects multiple things. First off, let’s clear up some confusion. There are several types of IRAs, such as Traditional, […]
13 min read
27 Jun 2025
Start Planning Your Retirement Early to Save Enough and Plan Better
Let’s be honest, retirement isn’t what it used to be. The traditional blueprint of working until 65, collecting a pension, and retiring feels outdated, especially for mid-level professionals who’ve started thinking early about what their ideal retirement should look like. With rising burnout, shifting priorities, and growing financial awareness, the idea of retiring at 60 […]
14 min read
26 Jun 2025
Planning for Retirement Means Planning for Healthcare Too
Most professionals approaching retirement know they need a plan. What many underestimate (often drastically) is the size of the piece of that plan that should be devoted to healthcare. Retirement is no longer just about 401(k)s and Social Security. It’s about protecting yourself from unpredictable, rising medical expenses that could quietly dismantle even the most […]
9 min read
22 May 2025
How to Build a Retirement Plan That Covers Your Healthcare Needs
The average life expectancy in the United States now stands at nearly 80 years, and by 2040, 20% of Americans will be over the age of 65. That is a big shift for the economy, and it brings some serious financial considerations for individuals, too. In 2023, healthcare spending in the U.S. jumped by 7.5%, […]
9 min read
28 Apr 2025
How to Protect Your Retirement Savings from Inflation
Even a modest rise in inflation can stretch your budget thin in retirement. According to the U.S. Bureau of Labor Statistics, inflation spiked between 2021 and 2022, hitting a 40-year high of 9.1% in June 2022. While the January 2025 Consumer Price Index (CPI) report shows inflation cooling to around 3%, the damage from previous […]
11 min read
24 Apr 2025
How to Determine If Your Savings Can Support Your Retirement
Figuring out whether your savings are enough for retirement is not always straightforward. It is common to feel unsure, especially as you move closer to retirement. You may wonder if you are doing enough or if your current savings will last. You may also worry about making changes to your savings strategy to ensure you […]
11 min read
20 Mar 2025
Should I Keep Budgeting in Retirement?
A recent survey found that 45% of individuals around the age of retirement worry about outliving their savings. More than one in three (39%) have seen their standard of living decline post-retirement, and about 30% admit they have already spent more than they should in retirement. It is easy to underestimate how much you will […]
11 min read
30 Jan 2025
Top Retirement Mistakes Even Experienced Investors Tend to Overlook
Experienced investors might believe they have everything figured out, but even minor missteps can disrupt years of planning and put their financial future at risk. That is why it is essential to stay vigilant, plan smartly, and avoid common pitfalls. Consulting a financial advisor can help steer clear of retirement planning errors. This article highlights […]
11 min read
23 Dec 2024
7 Essential Steps to Get Ready for Your Upcoming Retirement
In the years leading up to retirement, it’s important to ensure that you will be secure in your golden years. It can feel overwhelming as the years start to pass, and you might find yourself wondering if you have done enough. However, instead of worrying, it is important to use this time to plan wisely. […]
9 min read
03 Dec 2024
Retiring Soon: How do I Structure My $1 Million Portfolio at Age 65?
Retiring is a big milestone. If you are 65 and have built a $1 million portfolio, you have a solid foundation. But you will need to rely on that portfolio for two more years before your full Social Security benefits can start. So, you should make sure that your savings are working as hard as […]
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The blog articles on this website are provided for general educational and informational purposes only, and no content included is intended to be used as financial or legal advice. A professional financial advisor should be consulted prior to making any investment decisions. Each person’s financial situation is unique, and your advisor would be able to provide you with the financial information and advice related to your financial situation.