Articles by Gabe Fransen
How Big Should Your Nest Egg Be — and How Much of Your Paycheck Do You Need to Build It?
The 15% savings rate is a widely used benchmark in the industry. Fidelity suggests that saving approximately 15% of income annually (including employer contributions) may help individuals work toward a retirement that replaces a portion of their pre-retirement income. Current Savings Rates (Recent Industry Data) Fidelity’s Q4 2025 Retirement Analysis […]
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March 9, 2026 Technical Market Comments – Royal Fund Management
The DJIA was down just over 1000 points about 45 minutes into the trading day, but then completely reversed to close up 239. All major indicis completed a major intra-day reversal even before the quote that the Iran conflict was close to being finished. The Nasdaq100 bounced off the last […]
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March 3, 2026 Market Commentary Video – Royal Fund Management
Senior Deduction Under the One Big Beautiful Bill Act
The One Big Beautiful Bill Act (OBBBA), signed in 2025, gives taxpayers 65 and older an increased standard deduction through 2028. Married filing jointly with both spouses 65+: extra $6,000 each, total $12,000 added to the base standard deduction. Single filers 65+: extra $6,000. No itemizing needed. Key planning considerations: […]
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Strategic Financial Group Financial Planning Process
2025 vs 2026: Key Changes in Retirement and Investment Account Contribution Limits
As we approach the end of 2025, the IRS has rolled out updated contribution limits for various retirement and savings accounts, reflecting inflation adjustments and ongoing provisions from the SECURE 2.0 Act. These increases provide opportunities for savers to bolster their nest eggs, but they also require careful planning to […]
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Building and Preserving Wealth: Why We Believe a Personalized Financial Plan Matters
It is our belief that true financial success isn’t just about growing wealth, it’s about keeping that wealth working for you over time. Client’s goals are typically specific to them and that is something we try to identify as the first step of our financial planning process. We have seen […]
Read More October 30, 2025 Market Commentary – Royal Fund Management
The market came through two of the worst two months historically (August & September) unscathed, and was resilient in October, the most volatile month. Could the best months of the year also run contrary to history? We do not believe so, but we still cannot rule out some backing & […]
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Strategic Roth Conversions for Retirement Planning
Roth conversions involve transferring funds from a traditional IRA to a Roth IRA, offering potential tax and retirement planning benefits. We want to outline the considerations of strategic Roth conversions, focusing on managing conversions to stay within your current federal income tax bracket, based on 2025 tax rules. Consult a […]
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