Retirement doesn’t happen on your last day of work. In our view, it happens over the year leading up to it, in a series of decisions we believe are easier to make early than in a rush. If 2027 is your year, here’s a countdown that may help you prepare […]
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When you change jobs, the to-do list gets long fast. New benefits. New commute. New passwords. An old 401(k) can be easy to leave sitting where it is, and a lot of people do. That may be fine. It may not be. Not every old plan needs to move. But […]
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As we officially step into summer and close the books on the first half of 2026, it can be a natural time to pause and reflect. We have seen our share of market fluctuations this past spring, from the geopolitical uncertainties in March and April to shifting inflation narratives, but […]
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Half the year is already behind us. This might be a good time to review your retirement savings progress and consider tax strategies that may improve your financial outlook for 2026 and beyond. Contribution Limits for 2026 401(k), 403(b), and 457 plans: $24,500 employee deferral limit. Age 50 and older […]
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A 401k is often one of the largest assets for retirees. A Roth conversion is one strategy some retirees consider to help manage future taxes and Medicare premiums. What is a Roth conversion? Money moves from a traditional 401k or IRA to a Roth IRA. Taxes are paid on the […]
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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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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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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 […]
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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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