Getting Your Financial Ducks In A Row

MARCH 10, 2025

Many of us are covered by one or more types of defined contribution retirement plans, such as a 401(k), 403(b), 457, or any of a number of other plans. These plans are also often referred to as Qualified Retirement Plans (QRPs). As you defer money into your retirement account, each dollar that you defer could be worth as much as $1.65.

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Darrow Wealth Management

MARCH 3, 2025

The choice between stocks and bonds depends on their individual circumstances, such as risk tolerance, time horizon, and financial goals. While an investor’s timeline affects their risk tolerance and allocation decisions between stocks and bonds, it’s important to remember how long a retirement time horizon can truly be.

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Good Financial Cents

JANUARY 26, 2023

Early retirement has become a popular financial goal. Even if you never retire early, just knowing that you can is liberating! Can You Really Retire at 50? Can You Really Retire at 50? Table of Contents Can You Really Retire at 50? FAQs on Retiring Early at 50 It’s a big bold claim – retire at 50?

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Yardley Wealth Management

JANUARY 21, 2025

These professionals help you define clear financial objectives and create actionable plans to achieve them, whether you’re planning to buy a home, save for college, or prepare for retirement. Retirement Planning Retirement planning is one area where talking to a financial planner proves particularly worthwhile.

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WiserAdvisor

AUGUST 31, 2023

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.

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Clever Girl Finance

FEBRUARY 2, 2024

Starting early with investing for retirement is so important to secure your future self. This means that saving for retirement should be a component of your overall financial portfolio and wealth-building strategy. So, let’s discuss how to save for retirement in your 20s! How do I start putting money away for retirement?

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Yardley Wealth Management

FEBRUARY 18, 2025

Key benefits include: Ensuring essential financial obligations are met first – Taxes, estate planning, and retirement savings take precedence. Waterfall Wealth vs. Traditional Investment Strategies Traditional investment strategies focus on diversification, risk tolerance, and asset allocation across stocks, bonds, and real estate.

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Carson Wealth

OCTOBER 3, 2024

Retirement is an exciting milestone—a time to leave behind the hustle and bustle of work and embrace a new chapter filled with more freedom and opportunities to enjoy life. Planning well in advance ensures that your retirement years will be financially secure, fulfilling, and less stressful than your working years.

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Nationwide Financial

JANUARY 25, 2023

Last year’s considerable losses and market fluctuations underscore the need for clients to assess their retirement plans to ensure it aligns with their objectives, financial situations, timelines, and attitudes toward market volatility. You can help them start the year right by conducting a retirement checkup.

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MainStreet Financial Planning

JULY 11, 2024

Each has unique benefits and drawbacks, and understanding these can help you decide which fits best with your financial situation, risk tolerance, and goals. Tax-free withdrawals for qualified expenses: Withdrawals used for qualified education expenses are tax-free, which can lead to significant savings.

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Carson Wealth

AUGUST 25, 2022

How much do I need for retirement?” Your financial needs in retirement can depend on dozens of factors – some known and some unknown. One or two million dollars may seem like a lot of money to have set aside for retirement. A Retirement Reality Check. The concept of retirement continues to evolve with the world around us.

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Clever Girl Finance

MARCH 14, 2023

We’ll also go over the benefits of growing the income for your portfolio and how to deal with taxes from investments! Common accounts that earn this sort of income include retirement accounts, like a 401(k) or IRA , savings accounts , or a general brokerage account that lets you sell and buy investment products like stocks, funds, etc.

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WiserAdvisor

JUNE 4, 2025

They want a financial strategy that takes every aspect of their life into account, such as their income situation, investment goals, debt, risk appetite, and more. Comprehensive financial planning involves budgeting, investment planning, tax optimization, debt management , insurance coverage, retirement strategy, and even estate planning.

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Integrity Financial Planning

JUNE 7, 2023

Investing in an Individual Retirement Account (IRA) is an excellent way to save for retirement. Traditional IRAs offer immediate tax breaks, while Roth IRAs offer tax-free withdrawals in retirement. Your goals may be different depending on your age, retirement timeline, and lifestyle.

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Talon Wealth

AUGUST 26, 2023

We all know retirement is an important milestone that requires careful planning. Of course, one of the most important aspects of retirement planning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. This can be a mistake.

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Talon Wealth

OCTOBER 26, 2023

We all know retirement is an important milestone that requires careful planning. Of course, one of the most important aspects of retirement planning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. This can be a mistake.

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Good Financial Cents

JANUARY 24, 2023

While they do share some similarities, there are enough distinct differences between the two where they can just as easily qualify as completely separate and distinct retirement plans. Either plan is an excellent choice, particularly if you’re not covered by an employer-sponsored retirement plan. Not exactly.

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WiserAdvisor

DECEMBER 15, 2023

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.

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Clever Girl Finance

NOVEMBER 8, 2022

Generally, you will use these investments to fund your retirement. In general, these accounts are aimed at saving for your retirement in a tax-advantaged way. If your employer doesn’t offer a retirement account, then consider opening a Roth IRA to start saving for your retirement. Consider certificates of deposits.

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WiserAdvisor

MAY 22, 2025

With medical inflation outpacing general inflation, ignoring healthcare in your retirement plan is a risk no one can afford. Factoring in retirement healthcare costs is a smart move. And if you are unsure where to begin, talking to a financial advisor can help you build a more personalized and realistic retirement plan.

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WiserAdvisor

MAY 13, 2025

Planning for retirement requires a well-thought-out investment strategy. A well-diversified portfolio helps protect against market volatility and minimizes the risk of significant losses. This article explores various strategies for diversifying an investment portfolio to ensure you have enough funds to live comfortably in retirement.

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Good Financial Cents

DECEMBER 26, 2022

I’m a big fan of the Roth IRA and investors that understand it’s massive tax-free benefits are also. A Roth IRA is a type of individual retirement account (IRA) that allows you to contribute after-tax money and withdraw it tax-free in retirement. What is a Roth IRA? What are The Benefits of a Roth IRA?

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Fortune Financial

APRIL 11, 2024

The reality for those with various employers is that untracked retirement savings might lead to missed financial growth opportunities and instability. Diligent oversight and management of these retirement accounts is essential for anyone aiming to build a solid financial foundation for a comfortable and secure retirement.

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WiserAdvisor

APRIL 25, 2023

Your investment strategy determines the target percentages for each asset, often based on your risk tolerance, investment goals, and time horizon. This may lead to a higher or lower risk profile than initially intended. With a higher income, your risk tolerance can increase, and you may be more open to investing in equities.

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Good Financial Cents

JANUARY 23, 2023

The Bottom Line on Checking Your 401(k) A 401(k) is a type of retirement savings plan offered by many employers to their employees. It is a tax-advantaged savings plan that allows employees to set aside money from their paycheck on a pre-tax or after-tax (Roth) basis , into an individual account established in their name.

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Good Financial Cents

SEPTEMBER 29, 2022

Real Estate: Best for Predictable Gains + Tax Benefits. Real estate also has valuable tax benefits, like depreciation expense. And since they rarely trade stocks, the capital gains they generate will usually be long-term, giving you the benefit of lower long-term capital gains tax rates. See Public.com/disclosures.

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WiserAdvisor

MAY 29, 2025

Retirement accounts : Opening an Individual Retirement Account (IRA) is one of the smartest long-term moves you can make. IRAs offer tax advantages and encourage consistent, long-term investing. Now you can diversify across multiple industry leaders without paying the full share price.

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Good Financial Cents

DECEMBER 22, 2022

There are many options, but your top priority should be choosing an investment that aligns well with your goals and risk tolerance. Index funds have become popular among the FIRE (financial independence, retire early) crowd, and for a good reason. A $5,000 contribution would equate to $1,000 when you file your tax return.

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Clever Girl Finance

NOVEMBER 25, 2023

Generally, you will use these investments to fund your retirement. For most people, one big goal is funding their retirement. Some experts advise saving 10% of your income for retirement. It depends on how much you make, when you want to retire, and how much you want in your accounts by then. Or send your kids to college.

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Investing Caffeine

MAY 3, 2023

These are all interesting and important questions, but preparation for retirement is much more important than panicking over issues you have no control over. For many investors, however, the more important questions to ask and answer relate to your retirement strategy. Risk Tolerance: What is your asset allocation?

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WiserAdvisor

FEBRUARY 19, 2024

Blind spots in retirement planning are those aspects that are often overlooked, either intentionally or subconsciously. From seemingly harmless low-interest debt to underestimating the emotional impact of transitioning out of the workforce, various factors can disrupt your peace of mind during your retirement years.

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Random Roger's Retirement Planning

MAY 19, 2025

They do have a positive real return and having half the volatility of 60/40 would be appropriate for some people like maybe those with a very low risk tolerance or someone far enough ahead of where they need to be that they could be partially in game over mode. This quadrant style can be a valid way to go but I don't think it is ideal.

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Carson Wealth

DECEMBER 1, 2022

An individual who learns to manage $4,000 a month after taxes will be equipped to manage $14,000 or even $40,000 a month as their earnings increase over time. Take Advantage of Retirement Plans and Matching Contributions. Employers often match a portion of this contribution to a retirement plan as an employer benefit. .

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WiserAdvisor

AUGUST 26, 2022

However, this requires you to put in dedicated time and effort on your part to track your finances and learn about accounting, taxes, and financial planning. Your existing debt and taxes. Improve your tax situation. It is no secret that professional money management can help navigate your tax liabilities. Emergency funds.

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Good Financial Cents

JANUARY 17, 2023

And how does it compare to the 401k and other retirement plans that exist? A Simple IRA, or Savings Incentive Match Plan for Employees, is a type of employer-sponsored retirement savings plan that is designed to be easy to set up and maintain for small business owners. What is a Simple IRA? Table of Contents What is a Simple IRA?

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Good Financial Cents

MARCH 20, 2023

Invest in the Stock Market Suggested Allocation: 40% to 50% Risk Level: Varies Investing Goal: Long-term growth The stock market is where most of us save for retirement already, mostly through the use of tax-advantaged retirement plans, like a 401(k), SEP IRA, or Solo 401(k).

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WiserAdvisor

DECEMBER 13, 2023

In a world where the cost of living is steadily climbing and market uncertainties loom large, the idea of a serene retirement can seem like a distant dream. But let’s face it: the importance of saving for retirement hasn’t waned; if anything, it’s become more crucial. When to start saving for retirement?

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