Will Your Money Last as Long as You Do?
Will Your Money Last as Long as You Do?
Check out this 6-page instant download for the key financial challenges that can make — or break — your income plan in retirement:
- Living longer in retirement, including how to potentially minimize taxes
- Higher health care expenses, such as managing increased prescription-drug costs
- Long-term care, including a strategy to address in-home caregiving expenses
2023 Tax Summary
Learn the stats for the 2023 tax year.
Medicare FAQs
Today’s changing health landscape makes understanding Medicare even more important. Whether you have questions for yourself or a loved one, the following answers may help.
2022 Tax Summary
Learn the stats for the 2022 tax year.
Retirement Checklist Challenge
Ready for retirement or still have work to do? If you can’t check all 34 boxes, don’t go at it alone. We’ll be happy to take over from here so you can rest in the knowledge that an entire team of advisors and staff are working to help you retire with confidence.
Estate Planning Checklist
A good plan is central to the physical, emotional, and mental wellbeing of your survivors. By planning, you can properly preserve and allocate the assets you have worked hard to earn. Having a plan in place will help determine the most advantageous means of owning property while you are alive. Other benefits of planning includes minimizing estate and income taxes, administrative expenses, executor’s commissions, and attorney’s fees after your passing. In addition, estate plans can help provide funds for the education of future generations and adequate monies to care for expenses upon your death.
Tax Advantaged Planning: A Proactive Approach to Creating a Forward-Looking Tax-Efficient Plan
There’s one thing we know, it’s that we can’t fix New World problems with Old World solutions. That would be like physicians trying to treat cancer today with a combination of leeches and snake oil. We have to adapt and find alternative, progressive solutions that factor in all of the changes surrounding us and that help to insulate our money and our future from what may come.
Long-Term Care: How To Fund Retirement’s Biggest Threat
The biggest threat to a retiree’s planning, portfolio and assets is the cost of an unfunded Long-Term Care event that is not covered by Medicare or a health insurance program.
Think Your DIY Retirement Plan Can Beat an Adviser?
Think again, according to studies by Vanguard and Morningstar. Maybe young, uncomplicated investors can get away with a passive plan, but you’d be surprised at exactly how much anyone near retirement could benefit from the guidance that a real retirement plan offers.
Can You Retire If Offered a Buyout?
Wondering if you should accept a buyout?
This guide can help you decide your next move if your company is downsizing.
- Social Security
- Health Care and Health Insurance
- Tax Consequences
- Income Analysis
10-Step Layoff Survival Guide
While the uncertainty of a layoff can feel like you’ve suddenly been saddled with an enormous burden, you can take measures that could help reduce stress and get you back on course. And, if you’re close enough to retirement, you might even be able to say goodbye to the working world and enjoy an early retirement! So, before you let the stresses of the COVID-19 shockwaves get you down, consider the 10 steps in this guide to help you survive a layoff. They can help you determine if you need to find another job, or if you can take this scary situation and turn it into a blessing in disguise.
Retirement Summit
We put a lot of time into saving and investing money for retirement, but we don’t spend nearly as much effort developing a strategy for withdrawing those assets once we retire. However, developing a retirement strategy is similar to planning a mountain trek — how we get down from the peak is just as important as how we scale up it.
Pies are for Dessert
Many retirees today are finding out that the number one expense they will have in retirement is taxes. Most people have saved in large 401k and IRA accounts and have very little Roth or after-tax dollars. The majority of families who are looking to retire on an income between $50,000 to $100,000, are typically unaware of the significant things that they can do to improve their ability to fund their quality of life.
Are You Paying Too Much in Taxes?
For most of your working life, you’ve been in an accumulation phase — gathering and growing assets to be used to support you in your later years. During retirement, however, you move to a different mindset as you transition into a distribution phase. Planning for the distribution phase includes a shift in perspective as you work toward preserving the assets you spent so many years building.
Will a Recession Rob Your Retirement?
While the economy is largely unpredictable, your retirement income doesn’t have to be. By getting a clear picture of where your finances stand and creating a plan that takes worst-case scenarios into account, you can feel confident about retirement — even in a recession. This complimentary guide walks you through four things to check now to help ensure you and your family are supported — even if the economy takes a dip.
Common Misconceptions About Retirement Strategies Dispelled
This guide covers why simply saving monthly is not enough, how much money you'll need before you build a strategy, which financial professionals are right for you, and more! Download the guide to learn about the four common misconceptions about retirement planning strategies dispelled!
Stryzewski named Advisor of the Year for the NSSA
The National Social Security Association has selected David Stryzewski, president of Sound Planning Group and SPG Advisors in Kirkland, as the National Social Security Advisors (NSSA) Advisor of the Year. The award was announced by Marc Kiner, a board member of the National Social Security Association. Kiner is also a partner at Premier Social Security Consulting of Cincinnati, which teaches NSSA Social Security education courses to professional advisors across the nation and awards the NSSA certificate to advisors who take the course and pass an assessment.
Tax Deductible Investment Expenses
Uncle Sam allows you to deduct investment-related expenses when you file your tax return. Download our guide to learn more.
Precision Investing
There are two primary investment strategies. One is asset allocation, and the other is focus investing. These two methods can be regarded as the two sides of a coin. The dynamic is always the interplay of risk and return; the greater your money is at risk, the higher the return. Similarly, the lower the risk, the lower the return. Some investments favor return-generating characteristics, while others favor risk-management characteristics. Finding the right combination of these two types of assets for your portfolio is the factor that consistently leads to our client's success.
Fixed Indexed Annuities: Consider the Alternative
Just like the currents of the oceans, the markets can rapidly shift without warning. The secret to being defensive during bear markets and fully invested during bull markets is to continuously monitor the factors that influence the markets and then position the portfolio to take advantage of the markets’ current direction. Our fleet of Portfolios helps us navigate you through the unpredictable ebbs and flows of the global markets.
Fixed Indexed Annuities: Consider the Alternative
An FIA is a contract issued and guaranteed by an insurance company. It is a growth and accumulation vehicle leading up to retirement with an option to convert to an annuity in retirement or take systematic withdrawals. In the accumulation phase, growth potential is based upon the positive performance typically of an equity index (e.g. S&P 500® Price Return Index) and grows tax-deferred subject to floors and participation rates.
Ready to Take The Next Step?
For more information about any of our products and services, schedule a meeting today or register to attend a seminar.