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Guide to Retirement

Working closely with you, we help develop your retirement plan objectives, review any existing plan, and/or design a new retirement plan that will help you achieve your goals.

Maximizing Returns: Strategic Asset Allocation for Roth and Pre-Tax Retirement Accounts

Maximizing Returns: Strategic Asset Allocation for Roth and Pre-Tax Retirement Accounts As a financial advisor, we employ a strategy that allocates more aggressive and growth-oriented assets to Roth accounts while positioning conservative assets in pre-tax retirement accounts. This approach is designed to optimize the long-term growth potential and overall risk […]

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Trustee vs. Authorizes Signer: Who Does What in Your Retirement Plan?

Trustee vs. Authorized Signer: Who Does What in Your Retirement Plan? When managing a retirement plan, such as a 401(k), it’s important to understand the distinct roles involved in overseeing and operating the plan. Two key roles that often get confused are the plan trustee and the authorized signer. While […]

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5 Strategies to Reduce Future Required Minimum Distributions

5 Strategies to Reduce Future Required Minimum Distributions (RMDs) Before They Begin If your retirement savings exceed what’s needed to support your lifestyle, required minimum distributions (RMDs) could significantly increase your taxable income and even raise your Medicare premiums. Fortunately, there are strategies to proactively reduce future RMDs or defer […]

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Pros & Cons of Loans & Early Withdrawals from Retirement Account

Pros & Cons of Loans and Early Withdrawals from Your Retirement Account When  faced with financial needs, taking a loan from your employer-sponsored retirement account, such as a 401(k), can seem like a tempting solution. However, it’s important to understand both the advantages and disadvantages, considering both the short-term and […]

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Secure Your Legacy: Why You Must Add a Beneficiary to Your Retirement Account Now!

Secure Your Legacy: Why You Must Add a Beneficiary to Your Retirement Account Now! Designating a beneficiary for your retirement account is a crucial step in ensuring your hard-earned savings are distributed according to your wishes. Here’s why it’s essential and the potential pitfalls of not having a designated beneficiary:  […]

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Top 5 Administrative Failures in Employer-Sponsored Retirement Plans and How to Prevent Them

Top 5 Administrative Failures in Employer-Sponsored Retirement Plans and How to Prevent Them Managing an employer-sponsored retirement plan can be complex, and even well-intentioned plan sponsors can encounter administrative failures. Here are the top five common failures and practical suggestions to prevent them: 1. Failure to Follow Plan Terms Failure: […]

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Pre-Tax vs. Roth Retirement Savings: What’s the Difference?

Pre-Tax vs. Roth Retirement Savings: What’s the Difference? When it comes to saving for retirement, choosing between pre-tax and Roth savings options is one of the most important decisions you’ll make. Both have unique benefits, and understanding their differences can help you make a choice that aligns with your financial […]

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