Tag: Retirement Planning

On January 5, 2025, the Social Security Fairness Act was officially signed into law, repealing both the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). These changes stand to meaningfully increase monthly Social Security benefits for workers who receive a pension based on work not covered by Social Security. What is the Windfall Elimination [...]

One of my favorite tasks as a financial planner is to help clients plan for retirement. We gather data and run Monte Carlo simulations and tax analyses, but often that planning process runs much deeper than asset allocation and withdrawal strategies. Recently I had the pleasure of meeting with a couple in their early fifties. [...]

If you’re planning to retire early, remember to include the cost of health insurance in your financial plan. Medicare eligibility begins at age 65, but until that time you’ll need to enroll in a private insurance plan.  Be sure to check your eligibility with COBRA from your prior employer as well.  COBRA premiums can be [...]

There’s one thing we can always count on at the start of each new year — new contributions and gifting limitations from the IRS. As you begin your planning for the year ahead, we’ve highlighted some of the key 2025 changes to be aware of for retirement accounts, health savings accounts, and gifting. Individual Retirement [...]

“Choose a job you love and you’ll never have to work a day in your life” ~ Confucius. As you approach retirement age, the first step to set yourself on a path for a successful retirement is to envision what that successful retirement will look like. Being able to visualize what you want for your [...]

Google provides an extensive range of benefits that can enhance your wealth, manage risk, and secure your future. By integrating Google’s compensation, retirement, and health benefits into your financial plan, you can better align these offerings with your long-term goals. Equity Awards Google’s stock units (GSUs) can be a powerful tool for achieving financial objectives. [...]

Whether you are part of the “sandwich generation” ― caring for both your kids and your parents ― or you are aging yourself, eventually some form of long-term care may be necessary in your family. Morningstar reports that 70 percent of those who turn 65 will need long-term care at some point in their lives, [...]

Series I Bonds, also known as I Bonds, are a type of savings bond issued by the U.S. Treasury that offer investors a very low-risk investment vehicle option with a unique combination of a fixed rate and a variable inflation rate that is updated every six months. A couple of years ago, when inflation was [...]

For most Americans who work for an employer, autumn is open enrollment period. While it’s easy to simply adopt last year’s elections, you may want to take a second look. To maximize your savings, reexamine the benefits available to you. The following are some tips to help you make the most of your benefits to [...]