Retirement

Retirement savers age 50 and older have long relied on catch-up contributions to boost savings as they approach retirement. These additional contributions provide a meaningful opportunity to save more—especially for high earners in their peak earning years. The One Big Beautiful Bill Act (OBBBA) introduced several important updates to retirement plans, including a clarification and reset of the rule requiring certain catch-up contributions to be made as  Roth . This update ta

Retirement is supposed to be the time you stop worrying about income, but for many higher earners, Medicare throws a curveball: IRMAA.

As 2025 comes to a close, many families, retirees, and business owners are taking a fresh look at their charitable goals. This year is particularly important because the  One Big Beautiful Bill Act (OBBBA)  introduces meaningful tax changes starting in 2026. These changes affect how charitable deductions may be valued in the years ahead, making strategic year-end planning especially valuable. While charitable giving starts with generosity, thoughtful coordination can help you

For decades, the "4% rule" has served as a widely cited guideline for retirees. This concept, developed by financial planner William Bengen in the early 1990s, suggested that an investor could successfully sustain a 30-year retirement by initially withdrawing 4% of their total invested portfolio and adjusting that dollar amount for inflation each subsequent year. Bengen’s goal was to identify the highest possible initial withdrawal rate that would have survived the worst 30-y