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The post Investing for Retirement: Strategies for Long-Term Success appeared first on Yardley Wealth Management, LLC. Investing for Retirement: Strategies for Long-Term Success Introduction Investing for retirement is a journey that demands careful planning, patience, and discipline.
Real Returns: The True Metric If your investments deliver 8% nominal annual returns , with 2.8% That means if your retirementplan underestimates medical costs, you risk serious shortfalls. Building an Inflation-Resistant RetirementPlan Equities (30–50%) – Over the long term, equities typically beat inflation.
Maximize Retirement Contributions Contribute as much as possible to your 401(k), IRA, or Roth IRA. Review Investment Allocations Markets evolve, and so should your portfolio. Review Investment Allocations Markets evolve, and so should your portfolio. Happy Planning and best to you in 2025! Ready to Tackle 2024?
It plays a crucial role in helping people achieve financial stability, prepare for retirement, and leave a lasting legacy for their families. Yet even the best financial plans can stumble. In this article, we’ll walk through some of the most common investment mistakes retirees make. Those who stayed invested came out ahead.
Key Takeaways: Maximize available deductions through strategic planning Consider timing of income recognition and deductions Leverage investment and charitable giving strategies Stay informed about AMT implications Regularly review and update your tax strategy FAQ Q: What are the best tax deductions for high-income earners?
Consistent habits, disciplined investing, and patience form the bedrock of wealth creation, keeping financial security in mind. A long-term perspective allows you to ride out market volatility, avoid impulsive decisions, and benefit from the natural growth of your investments over time.
Rising incomes, complex tax rules, countless investment options, and growing aspirations have made personal finance decisions more challenging than ever. Here’s the pathway under the current education structure: InvestmentPlanning Specialist – Focuses on asset classes, portfolio strategies, and wealth accumulation.
Apart from new laws and changes in regulations, it is also important to pay attention to emerging investment trendsevery year. The financial planning industry is constantly undergoing change. For example, a clients investment choices should align closely with their tax strategy, too. These decisions are deeply interconnected.
The CFP® program isn’t just about mastering technical modules on investmentplanning, taxation, retirement, or insurance. It means asking better questions, filtering out noise, and grounding every action in logic, not emotion. And this is precisely what the CFP® certification is built to instil. It builds a mindset.
a ski chalet), assessing whether it will lead to greater overall wellbeing, or, alternatively, more stress, is more challenging Enjoy the 'light' reading! a ski chalet), assessing whether it will lead to greater overall wellbeing, or, alternatively, more stress, is more challenging Enjoy the 'light' reading!
When you actively contribute to your workplace retirement account, invest in a separate portfolio , and funnel money into your savings account, it can be difficult to open – let alone manage – another account. IRAs are a great addition to your retirement savings journey. Do you plan on using the funds for K-12, college, or both?
Whether clients support the policies with cash gifts or split-dollar, the discussion of options will necessarily involve a combination of insurance planning, tax planning, income and gift tax-oriented wealth transfer planning and investmentplanning.
Mutual funds are one of the most popular ways for people to make investments and generate wealth over time. One of the common questions that arise with persons earning a salary is “How much of my salary should I invest in mutual funds?” You can also invest in ELSS funds in case you also want to save for taxes.
As a Retirement Income Certified Professional and a Life and Annuities Certified Professional, John advises clients on retirementplanning, investmentplanning, and risk management. His primary focus is to help people align their financial decisions with their values and truths to live enriching lives.
The point is to understand that a portfolio that is valid for a long term investmentplan will have periods where it lags in a frustrating manner. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.
International investments have offered opportunities, fixed income has helped manage risk, and certain sectors have remained resilient. As companies adjust, the market experiences periods of volatility as investors react to these changes. Through it all, diversification continues to provide stability.
podcast.moneywithkatie.com) Investing Everyone needs an investingplan, even a mediocre one. bestinterest.blog) How to de-risk a portfolio headed into retirement. (podcasts.apple.com) Katie Gatti Tassin talks wealth inequality with Matt Bruenig.
Also in industry news this week: While the SEC has had the power to restrict mandatory arbitration clauses in RIA client agreements for more than a decade, an advisory committee meeting this week suggests support for such a measure isn't unanimous CFP Board saw a record number of exam-takers during 2024, reflecting recognition of the professional and (..)
Podcasts Brendan Frazier talks with Sten Morgan, the founder of Legacy InvestmentPlanning, about better communicating with clients. investmentnews.com) Lifetime income Americans need more help managing retirement income. thinkadvisor.com) Five steps to create a paycheck in retirement.
Also in industry news this week: The SEC this week announced a proposed rule that would require RIAs to collect and verify their clients' personal information in an effort to prevent illicit activity, though many firms likely are taking many of these steps already Why larger RIAs and those that have been acquired tend to have worse client and staff (..)
Enjoy the current installment of "Weekend Reading For Financial Planners" - this week's edition kicks off with the news that the Department of Labor this week released its long-awaited "retirement security rule", its latest effort to curb conflicts of interest around retirement savings recommendations. Read More.
Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that a recent benchmarking study suggests that a number of RIAs are looking to move 'upmarket' and work with wealthier clients by expanding their service menu to include family office services, investment banking, and/or trust (..)
When talking about retirement financial planning, we often take investment strategy at face value. But what does an investment strategy really consist of? An investment strategy is utilized to help your wealth not only retain its value against inflation but hopefully grow as well.
Also in industry news this week: The SEC settled its first charges related to its new marketing rule with a firm that advertised 2,700% annual returns A survey suggests that older Americans prefer the term "longevity" to "aging", perhaps informing the way advisors discuss related issues with their clients From there, we have several articles on retirement (..)
Also in industry news this week: A study suggests that simplification is the top reason consumers combine their investment accounts, signaling that the onboarding process for new advisory client assets is a value-add in itself. How stocks and bonds tend to perform following their biggest down years.
Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that a Federal district court in Texas has put a stay on the effective date of the Department of Labor’s (DoL’s) new Retirement Security Rule (aka “Fiduciary Rule 2.0”),
Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that a Federal district court in Texas has put a stay on the effective date of the Department of Labor’s (DoL’s) new Retirement Security Rule (aka “Fiduciary Rule 2.0”),
From there, we have several articles on investmentplanning: While I Bonds have received significant attention during the past year, TIPS could be an attractive alternative for many client situations.
Retirementplanning can be intimidating, especially if you need help figuring out where to start. Determine When to Start Saving When it comes to saving for retirement, earlier is almost always better. Create a Budget Creating a budget allows you to track your expenses and ensure you’re saving enough for retirement.
And as 2023 draws to a close, we wanted to highlight 25 of the most popular and insightful articles that were featured throughout the year (that you might have missed!).
Financial advisors play a crucial role in assisting you before your retire. They can assess your financial situation, long-term goals, risk tolerance, and investment preferences to create personalized strategies. Here are 5 benefits of hiring a financial advisor after you retire: 1.
I once had a client ask me, “Jeff, if you had a million dollars, how would you invest it?”. The reality is, there are a ton of different strategies I would personally use to invest $1 million dollars, and to help this seed money grow into even more cash over time. Ad Robo-Advisors move with the market to ensure your investments.
Women and investing is a topic that doesn’t get mentioned often enough, but it is extremely important. Women’s financial plans are unique, so their investing strategies should be, too. Find out more about women and investing, and discover ideas for creating your own investmentplan.
Most people are well aware that investing is the key to building long-term wealth, yet that doesn’t mean that getting started is easy. In fact, all new investors face a huge learning curve when it comes to figuring out how to invest and where to invest their extra money. So, how do you start investing exactly?
Is now a good time to invest? I’m sharing some key investment insights to help you navigate your financial choices and calm any worries you might have about the stock market. I’m sharing some key investment insights to help you navigate your financial choices and calm any worries you might have about the stock market.
Starting your journey of saving for retirement is a pivotal financial goal. But the one thing that remains constant in this advice is that investing is essential to secure a comfortable retirement. Yet, the path to building a robust investment portfolio for retirement can be an intimidating task.
For people nearing retirement, these challenges can be even more daunting. A market downturn at the start of retirement, hitting portfolio values when retirees begin to take account withdrawals, can be unsettling, even for seasoned investors. Many near-retirees see their highest portfolio values just before retirement.
Inheriting money or taxable investment accounts has some big benefits. Jump-starting (or catching up on) retirement savings by investing the money in a brokerage account. Developing an asset allocation and investmentplan that suits you , which may be different than who left you the inheritance. What not to do?
We all know retirement is an important milestone that requires careful planning. Of course, one of the most important aspects of retirementplanning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. This can be a mistake.
We all know retirement is an important milestone that requires careful planning. Of course, one of the most important aspects of retirementplanning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. This can be a mistake.
According to a survey, a significant majority of Americans, approximately 80%, share the common notion that the point of working hard in your adult life is so you can enjoy a nice retirement. After years of dedicated labor and hard work, the prospect of a peaceful retirement appeals to everyone.
Does investing in I-bonds make sense as part of your strategy? Bonds also generate income, making them a flexible part of your long-term cash flow plan. While bonds are an essential component of investing, it’s important to note that inflation and bonds typically don’t get along, which isn’t good news for today’s investors.
Deciding how to allocate and invest the proceeds after the sale of your company is a big decision that requires careful planning. If you are expecting a sudden windfall , develop a plan to allocate the proceeds and reinvest in your future. Are you planning to retire? Create a formal financial plan.
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