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Social Security Guide
Social Security planning is one of the most important elements in any retirement plan, but getting the most from your Social Security benefit can also feel complex and frustrating. In our guide, “Optimizing Your Social Security in Today’s World,” you’ll uncover practical tips and easy-to-understand steps to get the most out of your Social Security benefits.
2024 Tax Planning Guide
After the many changes to the financial landscape that came over the last few years, filing your taxes this year could be complicated. Maybe you stopped working, realized investment losses, created an estate plan, or went from itemizing to claiming the standard deduction or vice versa. There are many factors that can impact how your tax level may change and if you need to rethink your tax strategy.
Retirement and Inflation
In 2023, we saw a continuation of market turbulence, loosening of labor markets, and lighter inflation due to economic tightening from the Federal Reserve(1). Compared to a couple of years ago, you may have noticed higher prices on the items you buy every week and may be wondering if we’ll continue to see high inflation. Nobody can predict the future, so if you’re nearing or in retirement, you should aim to protect yourself from the eroding effects of inflation.
[1] https://www.jpmorgan.com/insights/outlook/economic-outlook/economic-trends
Market Volatility
Retirement shouldn’t be a time of panic and anxiety; it should be a time when you feel financially secure and can enjoy the money you’ve worked hard to save for decades. There are ways to prepare yourself against reactionary decision-making other than delaying your retirement or keeping all your money in cash stashed in your mattress. There are ways to help mitigate risk and take advantage of opportunities, even in uncertain times. Knowing what to do can be complicated, but for now, let’s start with some practical advice.
The SECURE Acts
As Americans spend more years in retirement, the Social Security Administration will not be able to pay all the benefits promised in the near future if nothing about the retirement system changes currently. Due to these pressures on federal retirement programs, legislators restructured retirement laws to make it easier for people to fund their own retirements and for businesses to offer their own retirement benefits. Many of these changes were addressed in a single bill or round of legislation. This legislation was called the Setting Every Community Up for Retirement Enhancement (SECURE) Act.
The Millionaire Next Door
You may not think of your family as incredibly wealthy, but America is full of “millionaires next door.” When you think of a millionaire, you might think of extravagantly rich people with yachts and countless vacation houses. But in today’s reality, a millionaire is someone who has saved comfortably for retirement but likely doesn’t live extravagantly. Similarly, you may think of a financial advisor as a person only the superwealthy can afford. But in reality, they work with countless “millionaires next door” each year.
Retirement Planning Guide For Women & Spouses
They say “men are from Mars and women are from Venus” and their differences carry over into financial planning. In a world where women oftentimes share, or own, the responsibilities of household finances, and many are the major “bread-winner”, it makes sense that you are adequately addressed. There are a disproportionate number of men in the financial space today, so let’s take a moment to address some financial needs unique to women.
Your Guide To DSTs
Real Estate investing can be extremely rewarding financially. If you have succeeded in your prior real estate investment activities, you may be faced with a new challenge; how do you sell your property without paying income taxes, continue to receive monthly rental income and appreciation, yet not have to continue taking on the responsibility of property management? A Delaware Statutory Trust may be the solution you are looking for.
