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Category: Retirement Planning

10 Years and Counting: Points to Consider as You Approach Retirement

Posted on December 1, 2022November 30, 2022 by Michelle Lowrey
10 Years and Counting: Points to Consider as You Approach Retirement
Posted in Retirement PlanningTagged manage taxes, Retirement, savings, living expenses, income sources, pay off debt

CCRCs and Roth Conversions Go Hand-in-Hand

Posted on November 22, 2022November 22, 2022 by Michelle Lowrey
CCRCs and Roth Conversions Go Hand-in-Hand
Posted in Financial Planning, Retirement PlanningTagged Retirement, CCRC, roth conversions

The Individual 401(k)

Posted on August 18, 2022August 18, 2022 by Michelle Lowrey
The Individual 401(k)
Posted in Retirement PlanningTagged Retirement, retirement planning, 401k

Working For Yourself? Take Advantage of a Retirement Savings Plan for the Self-Employed.

Posted on May 31, 2022May 31, 2022 by Michelle Lowrey
Working For Yourself? Take Advantage of a Retirement Savings Plan for the Self-Employed.
Posted in Retirement PlanningTagged Solo 401k, SEP, simplified employee pension

Discussing End-of-Life Issues: A Family Imperative

Posted on January 27, 2022February 16, 2022 by Michelle Lowrey
Discussing End-of-Life Issues: A Family Imperative
Posted in Retirement PlanningTagged Financial Planning, advisor, family, planning process, end of life issues, facilitator

“After-Tax Fund” Conversions: Act Fast Before the Opportunity Vanishes

Posted on November 24, 2021January 19, 2022 by Michelle Lowrey
“After-Tax Fund” Conversions: Act Fast Before the Opportunity Vanishes
Posted in Retirement PlanningTagged IRA, Roth IRA, after-tax fund, converisons, Retirement

IRS Announces Increased 401(k) Contribution Limits for 2022

Posted on November 16, 2021November 16, 2021 by Michelle Lowrey
IRS Announces Increased 401(k) Contribution Limits for 2022
Posted in Retirement PlanningTagged 401k, IRS, contribution limit, 2022

Look to Dividend-Paying Stocks for Income in Retirement

Posted on November 10, 2021November 10, 2021 by Michelle Lowrey
Look to Dividend-Paying Stocks for Income in Retirement
Posted in Retirement PlanningTagged Income, dividend-paying, Retirement, Stocks

Inherit an IRA? Beware of New IRS Rules

Posted on September 30, 2021September 30, 2021 by Michelle Lowrey
Inherit an IRA? Beware of New IRS Rules
Posted in Investment Management, Retirement PlanningTagged tax, inherit, rules, regulation, IRA, retirement plan, traditional ira

Consider Investing Your Excess Retirement Funds Like Your Heirs Would

Posted on September 23, 2021September 23, 2021 by Loriann Facenda
Consider Investing Your Excess Retirement Funds Like Your Heirs Would
Posted in Estate Planning, Financial Planning, Retirement PlanningTagged Financial Planning, Estate Planning, Retirement, SECURE Act, legacy

Retirement: Proceed with Caution Before Relying on General Rules

Posted on September 16, 2021September 19, 2021 by Loriann Facenda
Retirement: Proceed with Caution Before Relying on General Rules
Posted in Retirement PlanningTagged Retirement, retirement planning, advice, guidance

Use Your Stimulus Check to Open a Roth IRA

Posted on May 12, 2021May 21, 2021 by Loriann Facenda
Use Your Stimulus Check to Open a Roth IRA
Posted in Retirement PlanningTagged Roth, Roth IRA, stimulus check, Retirement, retirement planning, Investing, IRA

Common Factors Affecting Retirement Income

Posted on April 14, 2021April 12, 2021 by Michelle Lowrey
Common Factors Affecting Retirement Income
Posted in Retirement PlanningTagged retirement income, investment risk, inflation risk, long-term care expenses, catastrophic care, retirement planning, taxes, risk, factors

Pension Maximization: A Pension Payout Option Strategy

Posted on April 2, 2021April 30, 2021 by Michelle Lowrey
Pension Maximization: A Pension Payout Option Strategy
Posted in Retirement PlanningTagged Retirement, Pension Maximization, payout, defined benefit pension plan

IRA Contribution Deadline Extended

Posted on March 30, 2021March 30, 2021 by Loriann Facenda
IRA Contribution Deadline Extended
Posted in Retirement PlanningTagged retirement planning, IRA, IRS, HSA, retirement plans, Retirement

Is Long-Term Care Insurance a Necessity or Luxury?

Posted on March 16, 2021April 12, 2021 by Loriann Facenda
Is Long-Term Care Insurance a Necessity or Luxury?
Posted in Insurance, Retirement PlanningTagged Insurance, social security, long-term care insurance, nursing home, LTC

Top 10 Opportunities for Retirement Plan Sponsors in 2021

Posted on February 22, 2021February 22, 2021 by Loriann Facenda
Top 10 Opportunities for Retirement Plan Sponsors in 2021
Posted in Retirement PlanningTagged Retirement, webinar, retirement plans

Converting a Traditional IRA to a Roth IRA at a Young Age: What Should Jack Do?

Posted on February 10, 2021February 10, 2021 by Michelle Lowrey
Converting a Traditional IRA to a Roth IRA at a Young Age: What Should Jack Do?
Posted in Retirement PlanningTagged Roth IRA, IRA

Don’t Roll Over on Your Rollover

Posted on February 2, 2021May 21, 2021 by Michelle Lowrey
Don’t Roll Over on Your Rollover
Posted in Retirement PlanningTagged Retirement, retirement planning, rollover, FINRA

Tax-Free Retirement Strategies for High Earners

Posted on January 7, 2021April 1, 2021 by Loriann Facenda
Tax-Free Retirement Strategies for High Earners

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Posted in Retirement PlanningTagged retirement planning, 401k, IRA

Making Sense of Roth IRAs: The Yes, No, Maybe Retirement Account

Posted on January 5, 2021January 13, 2021 by Loriann Facenda
Making Sense of Roth IRAs: The Yes, No, Maybe Retirement Account
Posted in Retirement PlanningTagged IRA, Tax Planning, Roth

Multiple Ways to Fund a Roth IRA

Posted on December 21, 2020January 13, 2021 by Michelle Lowrey
Multiple Ways to Fund a Roth IRA

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Posted in Retirement PlanningTagged retirement planning, IRA, Roth IRA

Invest for Your Future: What Is an IRA?

Posted on December 16, 2020January 13, 2021 by Michelle Lowrey
Invest for Your Future: What Is an IRA?
Posted in Financial Planning, Retirement PlanningTagged IRA, IRS, contribution, investment, Retirement

Can I convert my traditional IRA to a Roth IRA?

Posted on December 9, 2020January 13, 2021 by Michelle Lowrey
Can I convert my traditional IRA to a Roth IRA?
Posted in Financial Planning, Retirement PlanningTagged Retirement, IRA, Roth IRA

Choosing a Beneficiary for Your IRA or 401(k)

Posted on November 10, 2020December 3, 2020 by Michelle Lowrey
Choosing a Beneficiary for Your IRA or 401(k)
Posted in Retirement Planning, Financial PlanningTagged IRA, Roth IRA, tax, beneficiary, Retirement, 401k

Retirement Planning: It’s Not SIMPLE

Posted on October 12, 2020December 3, 2020 by Loriann Facenda
Retirement Planning: It’s Not SIMPLE
Posted in Retirement PlanningTagged Retirement, 401k, SIMPLE IRA

Traditional 401(k) Versus a Roth 401(k): What’s Right for You?

Posted on September 29, 2020September 30, 2020 by Loriann Facenda
Traditional 401(k) Versus a Roth 401(k): What’s Right for You?
Posted in Investment Management, Retirement PlanningTagged retirement planning, tax, 401k, tax bracket, young professionals, Roth, Roth 401k, taxes, retirement plan, traditional ira, traditional

Want to Retire Comfortably? Get Rid of Your Debt.

Posted on August 13, 2020September 10, 2020 by Loriann Facenda
Want to Retire Comfortably? Get Rid of Your Debt.
Posted in Retirement PlanningTagged credit card, interest rate, refinance, Retirement, Debt

To Skip or Not to Skip Your 2020 RMDs

Posted on July 8, 2020May 19, 2021 by Loriann Facenda
To Skip or Not to Skip Your 2020 RMDs
Posted in Retirement PlanningTagged IRA, TCJA, RMD, AGI, required minimum distributions, Retirement, 401k

Is Your Mind Ready to Retire?

Posted on June 29, 2020August 11, 2020 by Loriann Facenda
Is Your Mind Ready to Retire?
Posted in Retirement PlanningTagged Retirement

Evaluating an Early Retirement Offer

Posted on June 17, 2020August 11, 2020 by Loriann Facenda
Evaluating an Early Retirement Offer
Posted in Retirement PlanningTagged Retirement, health insurance, early retirement, retirement package, severance package, salary

Watch: CARES Act Retirement Plan Provisions and Relief

Posted on April 8, 2020August 11, 2020 by Loriann Facenda
Watch: CARES Act Retirement Plan Provisions and Relief
Posted in Retirement PlanningTagged #Covid19, retirement plan sponors, retirement plan services

Retirement Income Strategies for Turbulent Times

Posted on April 6, 2020August 11, 2020 by Loriann Facenda
Retirement Income Strategies for Turbulent Times
Posted in Retirement PlanningTagged RMD, COVID-19, #Covid19, portfolio, withdrawal, Retirement

FAQs for Plan Sponsors Suffering from Coronavirus Related Business Disruptions

Posted on March 31, 2020November 5, 2020 by Loriann Facenda
FAQs for Plan Sponsors Suffering from Coronavirus Related Business Disruptions
Posted in Retirement PlanningTagged retirement plan sponsors, COVID-19, #Covid19, retirement planning

Retirement Plan Provisions of the CARES Act

Posted on March 31, 2020August 11, 2020 by Loriann Facenda
Retirement Plan Provisions of the CARES Act
Posted in Retirement PlanningTagged CARES Act, Retirement Plan Provisions, COVID-19, #Covid19

Reducing or Eliminating Safe Harbor 401(k) Contributions

Posted on March 31, 2020August 11, 2020 by Loriann Facenda
Reducing or Eliminating Safe Harbor 401(k) Contributions
Posted in Retirement PlanningTagged retirement plan sponsors, COVID-19, #Covid19, safe harbor 401k

COVID-19 Is Not Our Only Sinister Foe

Posted on March 24, 2020August 11, 2020 by Loriann Facenda
COVID-19 Is Not Our Only Sinister Foe
Posted in Perspectives, Retirement PlanningTagged COVID-19, #Covid19, dow jones, Retirement

Beware: Is IRMAA After Your Social Security Dollars?

Posted on February 12, 2020 by Loriann Facenda
Beware: Is IRMAA After Your Social Security Dollars?
Posted in Retirement PlanningTagged Retirement, social security, Medicare, taxes, IRMAA, AGI

Backdoor Roth IRA: A Savings Strategy for Higher Earners

Posted on January 16, 2020October 26, 2020 by Loriann Facenda
Backdoor Roth IRA: A Savings Strategy for Higher Earners
Posted in Retirement PlanningTagged IRA, IRS, Roth IRA, back door roth, Backdoor Roth, Backdoor Roth IRA

Breaking News: SECURE Act

Posted on December 21, 2019December 21, 2019 by Loriann Facenda
Breaking News: SECURE Act
Posted in Financial Planning, Retirement PlanningTagged Retirement, 401k, IRA, SECURE Act

Listen Up Generation Xers and Millennials: You’ll Need to Work Longer, Save More and Spend Less to Retire Well

Posted on November 12, 2019October 30, 2020 by Loriann Facenda
Listen Up Generation Xers and Millennials: You’ll Need to Work Longer, Save More and Spend Less to Retire Well
Posted in Retirement PlanningTagged Financial Planning, Retirement, millinials, Generation X, Gen Xer

Pension Myths: Common Misconceptions About Pension Plans

Posted on November 7, 2019November 19, 2019 by Loriann Facenda
Pension Myths: Common Misconceptions About Pension Plans
Posted in Retirement PlanningTagged pension plans, defined benefit plans, pension, Retirement

Modern Retirement: Potential Areas of Trouble

Posted on October 22, 2019November 19, 2019 by Loriann Facenda
Modern Retirement: Potential Areas of Trouble
Posted in Insurance, Retirement PlanningTagged Long-term care, Retirement, stock market, Healthcare, HSA, Income Tax, Inflation

Annuities and Retirement Planning

Posted on September 4, 2019November 2, 2020 by Loriann Facenda
Annuities and Retirement Planning
Posted in Retirement PlanningTagged Retirement, annuities, annuity

When You’re 65: Things to Consider When You’re Heading into Your Retirement

Posted on August 30, 2019October 30, 2020 by Loriann Facenda
When You’re 65: Things to Consider When You’re Heading into Your Retirement
Posted in Retirement PlanningTagged Retirement, social security, Medicare

Your Retirement, Your Children’s Education: Let’s Do the Math

Posted on August 15, 2019March 7, 2022 by Loriann Facenda
Your Retirement, Your Children’s Education: Let’s Do the Math
Posted in Financial Planning, Retirement PlanningTagged college planning, College Education Funding, College Education Planning

Widowed? Divorced? Social Security Benefits Await You

Posted on August 5, 2019August 8, 2019 by Loriann Facenda
Widowed? Divorced? Social Security Benefits Await You
Posted in Financial Planning, Retirement PlanningTagged divorce, social security, Widow, Widower, Divorcee, Social Security Benefits, SSA

Everything You Wanted to Know About Medicare… But Maybe Didn’t Know to Ask

Posted on August 1, 2019July 30, 2019 by Loriann Facenda
Everything You Wanted to Know About Medicare… But Maybe Didn’t Know to Ask
Posted in Insurance, Retirement PlanningTagged Insurance, Medicare, Medigap, Retirement

Is Your Social Security Payment Accurate?

Posted on July 26, 2019July 30, 2019 by Loriann Facenda
Is Your Social Security Payment Accurate?
Posted in Retirement PlanningTagged social security

Saving for Retirement and a Child’s Education at the Same Time

Posted on July 25, 2019July 25, 2019 by Loriann Facenda
Saving for Retirement and a Child’s Education at the Same Time
Posted in Financial Planning, Retirement PlanningTagged Retirement, College Education Funding, 529

Retiring Early? A Healthcare Subsidy Could Help

Posted on July 16, 2019July 16, 2019 by Loriann Facenda
Retiring Early? A Healthcare Subsidy Could Help
Posted in Retirement PlanningTagged Retirement, 401k, Healthcare

Planning for Retirement: What Income Replacement Rate Will I Need?

Posted on June 19, 2019June 26, 2019 by Loriann Facenda
Planning for Retirement: What Income Replacement Rate Will I Need?
Posted in Retirement PlanningTagged Retirement, Income Replacement

Let’s Talk About Your Employer-Sponsored 401(k): Roth or Traditional?

Posted on June 12, 2019 by Loriann Facenda
Let’s Talk About Your Employer-Sponsored 401(k): Roth or Traditional?
Posted in Retirement PlanningTagged Roth, Roth 401k, retirement planning

Congress Intends to Modernize Retirement Plan Rules

Posted on May 28, 2019 by Loriann Facenda
Congress Intends to Modernize Retirement Plan Rules
Posted in Retirement PlanningTagged 401k, ERISA, retirement plan sponsors

Retirement Help for Age-Gap Couples You Might Not Know About

Posted on May 21, 2019 by Loriann Facenda
Retirement Help for Age-Gap Couples You Might Not Know About
Posted in Financial Planning, Retirement PlanningTagged Financial Planning, Retirement, IRA, Age Gap Couples

The Roths: 401(k) vs. Roth IRA. Which is better?

Posted on April 1, 2019 by Loriann Facenda
The Roths: 401(k) vs. Roth IRA. Which is better?
Posted in Retirement PlanningTagged Retirement, 401k, IRA, Roth, Roth IRA

Thoughts on the Vanguard Market Call

Posted on February 27, 2019 by Loriann Facenda
Thoughts on the Vanguard Market Call
Posted in Market Commentary, Retirement PlanningTagged stock market, Vanguard

New Year’s Resolutions for Retirement Plan Fiduciaries

Posted on January 25, 2019January 25, 2019 by Loriann Facenda
New Year’s Resolutions for Retirement Plan Fiduciaries
Posted in Retirement PlanningTagged ERISA, 401k, Fiduciary, qualified retirement plan

The Rules for Hardship 401(k) Withdrawals Have Changed

Posted on January 18, 2019October 26, 2020 by Loriann Facenda
The Rules for Hardship 401(k) Withdrawals Have Changed
Posted in Retirement PlanningTagged 401k, hardship

Required Minimum Distributions: When Your Retirement Savings Start Paying Off

Posted on December 26, 2018December 26, 2018 by Loriann Facenda
Required Minimum Distributions: When Your Retirement Savings Start Paying Off
Posted in Retirement PlanningTagged RMD, Required Minimum Distribution, Retirement

Getting Started: A Little Saving Now Will Pay Off Big Later

Posted on November 26, 2018November 30, 2018 by Loriann Facenda
Getting Started: A Little Saving Now Will Pay Off Big Later
Posted in Retirement PlanningTagged young professionals, savings, budgeting

IRS increases IRA limits for 2019

Posted on November 2, 2018November 27, 2018 by Loriann Facenda
IRS increases IRA limits for 2019
Posted in Financial Planning, Retirement PlanningTagged Retirement, 401k, IRA, IRS

Inheriting Retirement Accounts: The Other IRAs

Posted on October 31, 2018November 27, 2018 by Loriann Facenda
Inheriting Retirement Accounts: The Other IRAs
Posted in Retirement Planning, Estate PlanningTagged IRAs, Estate Planning

The Goal of a Worry-Free Financial Retirement

Posted on October 9, 2018November 13, 2020 by Loriann Facenda
The Goal of a Worry-Free Financial Retirement
Posted in Retirement PlanningTagged Retirement

Tax Deferred Retirement Savings

Posted on September 1, 2018October 2, 2018 by Loriann Facenda
Tax Deferred Retirement Savings
Posted in Retirement PlanningTagged Retirement, 401k, Business Owners, SEP IRA, Solo 401k

Pay Down or Save Up?

Posted on August 9, 2018October 2, 2018 by Loriann Facenda
Pay Down or Save Up?
Posted in Financial Planning, Retirement PlanningTagged Debt, 401k, Retirement savings

Saving for Retirement or College: Pick One

Posted on July 5, 2018October 2, 2018 by Loriann Facenda
Saving for Retirement or College: Pick One
Posted in Financial Planning, Retirement PlanningTagged Personal Retirement Planning, college planning

Retirement Planning: Your Sunny Future in the Sunshine State

Posted on March 22, 2018October 2, 2018 by Loriann Facenda
Retirement Planning: Your Sunny Future in the Sunshine State
Posted in Retirement PlanningTagged Retirement, Florida

Approaching Your “Retirement Cliff”?

Posted on June 22, 2017October 2, 2018 by Loriann Facenda
Approaching Your “Retirement Cliff”?
Posted in Retirement PlanningTagged Personal Retirement Planning

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