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UPDATE: 2019 – 401(k) and IRA Limits

By Paula Miles | May 20, 2019

Although we assume many of our readers know what a 401(k) and an IRA are, let’s cover these quickly. What is a 401(k)? 401(k) retirement, savings, and investment accounts are places to store money in which your contributions are typically matched – a portion of those earnings, usually not all of them in dollar-for-dollar fashion…

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Preparing For Incapacity & Long Term Care

By Paula Miles | May 14, 2019

Individuals working for years and planning for retirement ultimately lead to be dynamic go-getters who don’t want to think about the limitations and possible incapacitations of old age. However, with smart planning in your 50’s and 60’s, you can protect your heirs from financial risk and even protect a business from a crippling lack of…

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Top Asked Social Security Benefit Questions

By Paula Miles | May 7, 2019

Social Security is one of the main benefit programs for workers in the United States. At some point, almost everyone will collect something from Social Security. If you are getting close to collecting from Social Security, you might be wondering how the program works and what to expect. Here are some of the most commonly…

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Naming Guardians For Your Minor Children

By Paula Miles | April 28, 2019

One of the crucial decisions in life if you have minor children is to make arrangements for the guardian or guardians who will finish raising your children if you and your spouse should happen to die in a common accident or weather disaster. A will likely find that a lot of thought and planning have…

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Your Tax Return & Your Retirement

By Paula Miles | April 25, 2019

This years tax deadline is behind us. If you received a refund, what’s your plan? Some taxpayers choose to spend the entire check on clothing, shoes, and their appearance.  They never look into investing their money for their own personal future. In a sense, you may be temporarily happy about your purchases or your new…

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Retirement Reform in 2019

By Paula Miles | April 15, 2019

Two years ago, the current government built their own mark on the United States with what some call the most necessary and important tax reform. The retirement reform that they are planning might be the long shot of 2019 since there are four important pieces of retirement reform in legislation before Congress. Every single piece…

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Taxes & Your Retirement Years

By Paula Miles | April 7, 2019

Taxes are on the minds of many as we just passed the 2019 tax deadline.   Unfortunately, many retirees every year fail to properly account for taxes when deciding things such as budgets, withdrawal rates, and whether or not they have the flexibility to make larger purchases. So, what are a variety of techniques that…

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Could Your Retirement Be Delayed?

By Paula Miles | March 29, 2019

Many people spend years dreaming about the day they will retire. They envision spending time in their vacation home’s with their family and friends at their sides. However, for some, this vision doesn’t become reality.  Instead, they spend their golden years working instead of at the golf course or having coffee with friends. If you…

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At 59 ½ – You Can Take Control!

By Paula Miles | March 24, 2019

Before you turn 60 years old, your 401k plan has a set up that you may want to take advantage of. In the past, there has been a lot of middle-aged taxpayers who were scared to open certain bank accounts. Nowadays, those thoughts of being financially taken advantage of are not what investors are thinking…

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Your Retirement Paycheck Matters

By Paula Miles | March 17, 2019

Retirement income is not a one size fits all calculation as wants and needs vary significantly from one person to the next. Several factors such as life expectancy inflation, and balances do play a huge part but considering your retirement expectations for the “golden years” will help in the planning process to make the most…

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