Insights

Ryan Yamada, CFP®, Senior Wealth Planner We’ve all heard the conventional wisdom when it comes to claiming Social Security: you should wait as long as you can before claiming benefits. Wait right up to age 70, if possible. After all, that’s when you would get the greatest monthly benefit.

Scott Budd, CFP® Senior Wealth Planner  Choosing the right Medicare plan is one of the most important decisions seniors are faced with. It’s also one of the most difficult. The health care system isn’t user-friendly to begin with. Stack all the Medicare options on top of that and you& …

By Craig Lemoine, Ph.D., CFP®, Director of Consumer Investment Research “How much do I need for retirement?” It’s a question I often hear, and one that seems straightforward enough to tackle. Unfortunately, the answer isn’t quite so simple.

Retirement plans like 401(k)s and traditional or Roth IRAs can be an easy and effective way to save for retirement. Many investors favor these accounts for their significant tax advantages, which can include tax-deductible contributions.  Contributions to a traditional 401(k), IRA, and othe …

Many investors contribute to an account like an IRA or a 401(k) to take advantage of tax benefits as they save for their retirement. However, you cannot keep your funds in them indefinitely.  Once you reach a certain age, many types of retirement accounts require you to take a minimum withd …

Wondering how you’ll be able to afford health care in retirement? Get advice on retirement health care savings and insurance options.

Tom Fridrich, Senior Wealth Planner  Once upon a time, people would put money in their 401(k) or IRA accounts and know that – should their retirement savings outlive them – their loved ones would inherit the rest and all would essentially be well. 

Ryan Yamada, CFP®, Senior Wealth Planner  It was late one afternoon when I received the call from a retired client.  

By Craig Lemoine, Ph.D., CFP®, Director of Consumer Investment Research Stocks, bonds and mutual funds have had a rocky start to the year. The S&P 500, a broad measure of the United States stock market, was down 4.6% over the first quarter. Mutual funds holding stocks and bonds have als …

by Jamie P. Hopkins, ESQ., CFP®, LLM, CLU®, ChFC®, RICP®  Regardless of whether you plan to retire in 10 years, or are shooting for early retirement, there’s one main goal your planning should be working toward: saving enough so that you don’t outlive your money. 

By Jamie Hopkins, Managing Partner, Wealth Solutions  The next wave of retirement planning reform is headed for shore.