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Today’s Savings Tidbit: On The Job After Age 70? You Can Still Do Wonders!

We have more than a few clients who are still on the job after age 70. Many of them are business owners, and they love what they do. Some intend to stick around until they ultimately sell the business or transition it to the next generation of owners. Most of these business pioneers are well […]

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Claim Your Social Security Account Before Hackers Do It For You

Imagine that you’re finally ready to claim your retirement benefits and contact the Social Security Administration, only to find out that someone has been claiming your hard-earned benefits for years, and directing those monthly checks to a bank you’ve never heard of. It can happen. Social Security is asking more American workers to request benefits […]

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Building Up A Better Tax-Free Nest Egg For Retirement

Tired of taxes? Can’t blame you. But sometimes it pays to start thinking ahead about successful strategies we can discuss before year-end to save you on your future tax bill, and help you beef up retirement assets you can access totally tax-free for years to come. What we’re talking about is getting more money into a Roth IRA account for […]

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What’s The Right Amount To Spend In Retirement?

What’s the right amount to spend in retirement? Spend too much, and you run out of money too early. Spend too little, and you miss out on fun and meaningful experiences. It’s not so easy to come up with the right answer. That’s why we “spend” so much time working with clients to make it […]

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401(k) Secrets You Need To Know

There’s a dirty little secret about 401(k), 457, 403(b) and other retirement plans you may not know. They don’t have to offer you all the tax-saving provisions allowed under law. These include perks like stretch distributions, plan loans, rollovers into and out of the plan, “still working” exceptions and in-service distributions. You may not always […]

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Maxxing Out Your Social Security Benefits

You’ve probably heard us mention that, for most people, Social Security benefits are a very important part of your retirement income. Most people underestimate what those monthly guaranteed payments are actually worth. One recent estimate put the lifetime value of his-and-her benefits, where both members of a couple receive Social Security benefits, at over $900,000. […]

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Hurry! You Still Have Time To Contribute To Your IRA For 2018

The clock is ticking but you still have time to contribute to your Roth or Traditional IRA and have it count for 2018. You can check out our IRA tips from an interview we did with Yahoo Finance. A quick recap: the contribution limits for 2018 are $5,500 if you were under age 50 and $6,500 […]

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St. Patrick’s Tip: One Way For Women To Turbo-Charge Their Retirement Income

Last week, I did a talk for a Fort Lauderdale women’s group about how women can control their money rather than letting it control them. I included a totally amazing tip to help women boost their retirement income (so amazing I had to triple-check the numbers myself!). It almost seems too good to be true, […]

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Quote Of The Week: When You Need Help Planning Your Retirement

“It’s smart to seek out (and pay for) professional help when you’re confronted with a financial situation you haven’t seen before and truly can’t handle yourself. And if any situation meets that criterion for most people, it’s retirement. Retirement really is a huge life change. You’re in uncharted territory, and it’s OK to admit you […]

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Quote Of The Week: Why Tapping Your Nest Egg May Require Expert Help

“Tapping a nest egg is among the most important and difficult tasks we all face in retirement. Simply put, your money needs to last as long as you do. Yes, there are tools that can help do-it-yourselfers. … But I would argue that this is one place where a good adviser is invaluable.” Glenn Ruffenach, […]

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