What if the market crashes right after I retire? It's one of the most common worries we hear from people getting close to retirement. You've spent decades saving. You finally stop working. And then, right as you start living off your savings, the market drops. What are you supposed to do then? It's a fair question, and the worry behind it is real. The good news is that it's also something you can plan for well before it ever happens. Why the Timing of a Downturn Matters Imagi

Why can’t I contribute to my Roth IRA anymore? It’s a question we hear more often than you’d think, and it usually comes from people who are doing everything right. They’ve worked hard, built their careers, and finally started earning the kind of income they set out to earn. Then they go to make their usual Roth contribution and find out they can’t. Their income is too high. It can feel like a strange kind of penalty. The account you’ve heard about for years is suddenly off l

How can I pay less in taxes in retirement? It's one of the most common questions we hear from people getting close to retirement, and for good reason. Taxes don't stop when the paychecks do. For many retirees, taxes are one of the largest expenses they'll face for the rest of their lives. The good news is that retirement also gives you more control over your taxes than you've ever had. While you were working, most of your income came from a paycheck, and the tax followed. In

Whether you're looking for a financial advisor for the first time or thinking about making a switch, it's worth stopping to ask: what traits should you look for in a financial advisor? You probably want someone trustworthy. Someone personable and easy to talk to. Someone confident, experienced, and good at what they do. All of those matter. But not all of them are easy to judge from a first meeting. Personality and confidence come through quickly. Trust is harder, because an

Retirement is one of the hardest things to plan for, and it's not because people don't save enough or don't try hard enough. It's because every retirement plan has to work around two big unknowns. The first is how long your retirement will last. That's a polite way of saying none of us knows exactly how long we'll live. Your plan might need to last 20 years, or it might need to last 35. The second is what the markets will do along the way. We have decades of good historical d

Business owners are always looking for ways to lower their tax bill. When the end of the year gets close, the go-to move is often a new truck or a piece of equipment. There's nothing wrong with that when the business needs it. But there are only so many vehicles one business can buy. What if there were a write-off that also helped you build wealth? One that lowers your taxes today and keeps growing for you, instead of losing value the day it leaves the lot. For many self-empl