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  Small changes can make a big impact on your financial well-being. Here are some tips on how you can clean your finances this year. 1. Review your budget: identify areas where you can cut back. Look at your monthly expenses and see if there are any recurring...

  Retirement planning holds immense importance in effectively managing your finances. We understand the significance of guiding you through the potential challenges associated with Medicare. While Medicare offers valuable healthcare benefits, it is crucial to be...

  As a financial planner, one of the more common traps I see people falling into is the Social Security trap. Many retirees rely solely on their Social Security benefits for retirement income, unaware of the potential consequences. In this blog, we will explore...

  Remember, there is no spousal benefit for a widow/widower, but he or she does qualify for a survivor benefit that is equal to 100% of the deceased spouse's benefit (versus the 50% spousal benefit if the working spouse is still alive). This survivor benefit is...

  I believe in taking advantage of strategic opportunities to optimize education savings while maximizing tax advantages. In recent years, there have been significant changes to 529 accounts, and one intriguing option for conservative investors is rolling their...

Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. For others, it will be a time to start a new business or begin a charitable endeavor. Here are nine things about retirement that might surprise you.  ...

Most understand that waiting to claim Social Security benefits can result in higher monthly payments. However, many don't know that there are other ways to maximize their benefits, some of which depend on their marital status.   Understanding the strategies for...

  Steve and Sally are nearing retirement, and they have many items on their bucket list. Longer life expectancies mean Steve and Sally may need to prepare for two or perhaps three decades of retirement. How should they position their money?1   One approach...

Retirement is often seen as a time to relax and enjoy the fruits of your labor. However, it is also a time when your financial needs change. One of the areas where this change is most significant is in the realm of life insurance.   Life insurance is a contract...

  One of the most critical decisions we face in retirement is choosing the right type of Individual Retirement Account (IRA). In 2023, two popular options continue to be the Traditional IRA and the Roth IRA. Both offer unique advantages and considerations, and...