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Determining how much you need to save for retirement is a complex question with no single answer. Your ideal retirement savings depend on various factors unique to your situation.

The 4% withdrawal rule explained

It was another strong month for stocks, both U.S. and foreign, as well as bonds. They posted solid gains in August.

If you're feeling overwhelmed by debt, a solid strategy can help you regain control. There are several effective methods you can use to pay off what you owe.

You've probably spent more time planning a two-week vacation than you have for your retirement, even though retirement could last 30 years or more. Planning can feel overwhelming, but these five steps will help you prepare for a successful transition.

Appreciating Stock This article provides a high-level overview of Net Unrealized Appreciation (NUA) and its potential benefits. For a more in-depth analysis, I recommend reviewing Michael Kitces's comprehensive article on the topic. What is NUA? NUA is a potentially valuable tax planning opportunity that arises when you hold individual company stock within your 401(k) plan . When you contribute to your 401(k) and purchase company stock, the initial amount you invest is known

Estate planning is relevant for any individual with assets, regardless of the size of their estate. While those with limited assets and no children may require a simpler plan, comprehensive estate planning becomes increasingly crucial with larger estates.

People are living longer and doing more in their retirement years. Having a sound income strategy in place can help you enjoy those years with confidence.

Various strategies exist in retirement planning to manage income streams. One established method is the "bucket strategy," which involves...

Discover smart strategies for investing asset allocation and asset location to both potentially maximize returns and minimize taxes. Learn effective asset location tips now!

Many individuals experience a period of lower tax liability during retirement, particularly before the onset of Required Minimum...

Why do so many people want to get money into a Roth IRA? The primary appeal of a Roth IRA lies in its provision for tax-free qualified...

Stock Mark Volatility Market volatility invariably elicits a desire for portfolio adjustments. However, empirical evidence suggests that...

How long to keep tax records

Building an Investment Portfolio for Income in 2025 Creating an investment portfolio focused on generating income can be a smart strategy...

Are you eager to enhance the impact of your charitable contributions? A donor-advised fund (DAF) could be the ideal solution to elevate...

An article in the Wall Street Journal titled "They Look Like CDs, but They’re Annuities-and Sales Are Booming”  by Anne Tergensen, December 19, 2024, highlights how these fixed-rate deferred annuities work.  Given their popularity, I wanted to write about some of the things you may want to consider before making your purchase.  For those who do not know, a fixed-rate deferred annuity (FRDA) is issued by an insurance company and has a fixed rate and fixed maturity period. Depe