retirment

How Tax Planning Changes Through the Four Stages of Retirement

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Most people spend decades focused on one financial goal: saving for retirement. They contribute to 401(k)s, IRAs, brokerage accounts, and pensions with the expectation that once retirement arrives, the hard part is over. Unfortunately, that’s often when a new challenge begins. Many retirees discover that the tax rules governing retirement income are far more complicated […]

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The Coming Retirement Revolution—And 7 Things It Means for You

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Michael Adams is founder of Environics Research Group, a leader in social values research, and author of a book on boomers in retirement. He contrasts the attitudes toward retirement of early boomers (who were then ages 53 to 62) with the previous generation of retirees, who were in their 60s in 1992. As an example,

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Not All Retirement Accounts Are the Same: What Everyone Should Know

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Retirement as a formal idea and lifestyle is a relatively modern concept. For most of human history, people worked until they were physically unable and then relied on family or community support.   It wasn’t until the industrial age that the concept of retirement was born. In 1875, the American Express Company established the first

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9 Reasons Why Roth IRAs Make Sense, Even After OBBBA

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Roth accounts can be a key feature of retirement planning for many of your clients—especially in our current lower-tax environment. Here are nine reasons to examine the advantages of Roth accounts. Despite the sweeping tax reforms introduced by the One Big Beautiful Bill Act (OBBBA), Roth IRAs remain a cornerstone of smart retirement and legacy

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Making Sense of Social Security: The Basics and Key Considerations

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“Social Security is one of the most effective poverty-prevention programs in history. According to the U.S. Census Bureau, it keeps nearly 29 million Americans from sliding into poverty each year,” BlackRock CEO Larry Fink wrote in his 2025 letter to investors. Nonetheless, while it provides a basic level of income, we’re also mindful that Social Security, by

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SECURE 2.0 Opens the Door to Roth SEP and SIMPLE IRAs

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The SECURE 2.0 Act, signed into law at the end of 2022, brought dozens of changes to retirement planning. One of the most exciting—and least talked about—provisions is that employers can now offer Roth SEP and Roth SIMPLE IRAs. For small business owners, freelancers, and employees in these plans, that’s a game-changer. What Changed? Before

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How Business Owners Can Save Far Beyond a 401(k)

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Unlocking Retirement Potential with Defined Benefit Plans Are you a highly paid professional or business owner looking for ways to maximize your retirement savings while reducing taxes? Do you want to set aside more than what traditional retirement accounts allow? If so, a Defined Benefit (DB) Plan might be exactly what you need. What is

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