The match is not a bonus. It is half your retirement raise hiding in plain sight. Skipping the match on a $100,000 salary at twenty-five could cost over half a million dollars by sixty-seven. Are you getting your full match? #401k #RetirementPlanning #PersonalFinance
November 2, 2026 at 4:17 PM
The match is not a bonus. It is half your retirement raise hiding in plain sight. Skipping the match on a $100,000 salary at twenty-five could cost over half a million dollars by sixty-seven. Are you getting your full match? #401k #RetirementPlanning #PersonalFinance
Richard and Joan, 75 and 73, assumed their Roth window had closed.
It hadn't. After RMDs start, the order matters: RMD first (it can't be converted), QCDs to cover giving, then convert into whatever room is left.
phil.cpa/did-we-wait-...
#RetirementPlanning
It hadn't. After RMDs start, the order matters: RMD first (it can't be converted), QCDs to cover giving, then convert into whatever room is left.
phil.cpa/did-we-wait-...
#RetirementPlanning
November 2, 2026 at 9:02 PM
Richard and Joan, 75 and 73, assumed their Roth window had closed.
It hadn't. After RMDs start, the order matters: RMD first (it can't be converted), QCDs to cover giving, then convert into whatever room is left.
phil.cpa/did-we-wait-...
#RetirementPlanning
It hadn't. After RMDs start, the order matters: RMD first (it can't be converted), QCDs to cover giving, then convert into whatever room is left.
phil.cpa/did-we-wait-...
#RetirementPlanning
40% of investors have already changed their retirement savings ahead of the midterms.
63% of advisors say the right move is to change nothing.
Nationwide Retirement Institute data via Rethinking65.
#RetirementPlanning #FinancialAdvisors #Rethinking65
63% of advisors say the right move is to change nothing.
Nationwide Retirement Institute data via Rethinking65.
#RetirementPlanning #FinancialAdvisors #Rethinking65
Many Americans Changing Retirement Savings Ahead of Midterm Elections
Advisors report the election environment is disrupting client planning, according to a Nationwide survey.
rethinking65.com
November 3, 2026 at 3:40 PM
40% of investors have already changed their retirement savings ahead of the midterms.
63% of advisors say the right move is to change nothing.
Nationwide Retirement Institute data via Rethinking65.
#RetirementPlanning #FinancialAdvisors #Rethinking65
63% of advisors say the right move is to change nothing.
Nationwide Retirement Institute data via Rethinking65.
#RetirementPlanning #FinancialAdvisors #Rethinking65
Your old plan can push you out at $7,000 or less. Most people take the check and lose about 30% — plus thirty years of growth. The automatic fix exis…
#401krollover #retirementplanning #cashoutpenalty #jobchange #personalfinance
https://homeandeconomy.com/article/automatic-401k-rollovers-cash-outs
#401krollover #retirementplanning #cashoutpenalty #jobchange #personalfinance
https://homeandeconomy.com/article/automatic-401k-rollovers-cash-outs
November 1, 2026 at 4:00 PM
Your old plan can push you out at $7,000 or less. Most people take the check and lose about 30% — plus thirty years of growth. The automatic fix exis…
#401krollover #retirementplanning #cashoutpenalty #jobchange #personalfinance
https://homeandeconomy.com/article/automatic-401k-rollovers-cash-outs
#401krollover #retirementplanning #cashoutpenalty #jobchange #personalfinance
https://homeandeconomy.com/article/automatic-401k-rollovers-cash-outs
Claiming Social Security at 62 vs. 70: the difference is massive #SocialSecurity #RetirementPlanning
Claiming Social Security at 62 vs. 70: the difference is massive
Waiting just eight years to claim Social Security can mean a monthly check that's 77% larger — and that gap is permanent. Your birth year, health, marital status, and other income all affect whether holding out actually pays off.
dlvr.it
November 4, 2026 at 10:55 AM
Claiming Social Security at 62 vs. 70: the difference is massive #SocialSecurity #RetirementPlanning
Maximizing Social Security and optimizing it are not the same thing.
The strategy that pays the most over a lifetime is rarely the best one.
Ash Ahluwalia at Rethinking65 explains the difference.
#RetirementPlanning #FinancialAdvisors #Rethinking65
The strategy that pays the most over a lifetime is rarely the best one.
Ash Ahluwalia at Rethinking65 explains the difference.
#RetirementPlanning #FinancialAdvisors #Rethinking65
Why Social Security Should Be Optimized, Not Maximized
The recently announced COLA adjustment is a great reason to revisit and discuss Social Security claiming options with clients.
rethinking65.com
November 2, 2026 at 2:38 PM
Maximizing Social Security and optimizing it are not the same thing.
The strategy that pays the most over a lifetime is rarely the best one.
Ash Ahluwalia at Rethinking65 explains the difference.
#RetirementPlanning #FinancialAdvisors #Rethinking65
The strategy that pays the most over a lifetime is rarely the best one.
Ash Ahluwalia at Rethinking65 explains the difference.
#RetirementPlanning #FinancialAdvisors #Rethinking65
One costly retirement mistake could leave American savers with thousands of dollars less than they expected.
Read the full story: www.ibtimes.co.uk/retirement-m...
#RetirementPlanning #RetirementSavings #Investing #PersonalFinance
Read the full story: www.ibtimes.co.uk/retirement-m...
#RetirementPlanning #RetirementSavings #Investing #PersonalFinance
Dave Ramsey Warns of 3 Retirement Mistakes That Could Leave Savers $110,000 Worse Off
Learn how panic selling, low 401(k) contributions and limited cash reserves could cost a near-retiree $110,000—and how to protect retirement savings.
www.ibtimes.co.uk
November 4, 2026 at 2:16 AM
One costly retirement mistake could leave American savers with thousands of dollars less than they expected.
Read the full story: www.ibtimes.co.uk/retirement-m...
#RetirementPlanning #RetirementSavings #Investing #PersonalFinance
Read the full story: www.ibtimes.co.uk/retirement-m...
#RetirementPlanning #RetirementSavings #Investing #PersonalFinance
Are you financially on track for retirement? The Prime Retirement Index, launched by FPSB Ireland, sets savings milestones of 1x salary at 35, 3x at 45, 7x at 55 and 11x at 65
Read more: www.thinkbusiness.ie/articles/pri...
#Pensions #Retirement #RetirementPlanning #FinancialPlanning
Read more: www.thinkbusiness.ie/articles/pri...
#Pensions #Retirement #RetirementPlanning #FinancialPlanning
Index warns workers over pension shortfalls | ThinkBusiness
New Prime Retirement Index from FPSB Ireland sets pension savings targets for Irish workers, including a goal of 11 times salary by age 65.
www.thinkbusiness.ie
November 4, 2026 at 9:32 AM
Are you financially on track for retirement? The Prime Retirement Index, launched by FPSB Ireland, sets savings milestones of 1x salary at 35, 3x at 45, 7x at 55 and 11x at 65
Read more: www.thinkbusiness.ie/articles/pri...
#Pensions #Retirement #RetirementPlanning #FinancialPlanning
Read more: www.thinkbusiness.ie/articles/pri...
#Pensions #Retirement #RetirementPlanning #FinancialPlanning
Your 401(k) limit is projected to hit $25,500 in 2027 #RetirementPlanning #401k
Your 401(k) limit is projected to hit $25,500 in 2027
Rising inflation means Americans could sock away $1,000 more in workplace retirement accounts next year, with catch-up contributions for those 50+ also expected to climb. Actuarial firm Milliman crunched the latest CPI data to project the increases — but the IRS still has to make it official.
dlvr.it
November 3, 2026 at 9:32 PM
Your 401(k) limit is projected to hit $25,500 in 2027 #RetirementPlanning #401k
A couple thought they needed $140K a year in retirement. Their actual number was $118K.
The gap was $22K in gifts to adult children they had stopped thinking of as discretionary.
Mike Casey, CFP® at Rethinking65 on why expenses beat income-replacement rules every time.
#RetirementPlanning
The gap was $22K in gifts to adult children they had stopped thinking of as discretionary.
Mike Casey, CFP® at Rethinking65 on why expenses beat income-replacement rules every time.
#RetirementPlanning
The Most Important Number for Retired Clients
I used to think it was the income-replacement rate or withdrawal rate, but I've changed my mind. Here's why.
rethinking65.com
November 4, 2026 at 6:19 PM
A couple thought they needed $140K a year in retirement. Their actual number was $118K.
The gap was $22K in gifts to adult children they had stopped thinking of as discretionary.
Mike Casey, CFP® at Rethinking65 on why expenses beat income-replacement rules every time.
#RetirementPlanning
The gap was $22K in gifts to adult children they had stopped thinking of as discretionary.
Mike Casey, CFP® at Rethinking65 on why expenses beat income-replacement rules every time.
#RetirementPlanning
Higher income can increase Medicare premiums, but avoiding IRMAA shouldn’t necessarily drive your tax strategy. Sometimes recognizing income today can support longer-term tax planning.
The link to the blog can be found in the comments.
#IRMAA #Medicare #RetirementPlanning #SanDiego #California
The link to the blog can be found in the comments.
#IRMAA #Medicare #RetirementPlanning #SanDiego #California
October 30, 2026 at 6:00 PM
Higher income can increase Medicare premiums, but avoiding IRMAA shouldn’t necessarily drive your tax strategy. Sometimes recognizing income today can support longer-term tax planning.
The link to the blog can be found in the comments.
#IRMAA #Medicare #RetirementPlanning #SanDiego #California
The link to the blog can be found in the comments.
#IRMAA #Medicare #RetirementPlanning #SanDiego #California
Everyone talks about visas and cost of living.
But cheap living costs mean nothing without proper healthcare for your retirement plan.
Before you choose where to retire, book a 1:1 consultation to discuss your options.
#RetirementPlanning
But cheap living costs mean nothing without proper healthcare for your retirement plan.
Before you choose where to retire, book a 1:1 consultation to discuss your options.
#RetirementPlanning
October 30, 2026 at 9:32 AM
Everyone talks about visas and cost of living.
But cheap living costs mean nothing without proper healthcare for your retirement plan.
Before you choose where to retire, book a 1:1 consultation to discuss your options.
#RetirementPlanning
But cheap living costs mean nothing without proper healthcare for your retirement plan.
Before you choose where to retire, book a 1:1 consultation to discuss your options.
#RetirementPlanning
13 states where your retirement income goes completely untaxed #RetirementPlanning #TaxFreeIncome
13 states where your retirement income goes completely untaxed
Where you retire can be just as important as how much you've saved — some states take nothing from your Social Security, pension, or 401(k). But zero income tax doesn't always mean zero tax burden, since sales, property, and estate taxes can quietly eat into a fixed budget. Here's what retirees actually need to know before they pack up and move.
dlvr.it
November 4, 2026 at 3:12 PM
13 states where your retirement income goes completely untaxed #RetirementPlanning #TaxFreeIncome
Less than 1 in 5 small business owners has an exit plan.
Yet 70% to 90% of their net worth is locked in the business.
Kimberly Foss at Rethinking65 on the retirement gap advisors need to close.
#RetirementPlanning #FinancialAdvisors #Rethinking65
Yet 70% to 90% of their net worth is locked in the business.
Kimberly Foss at Rethinking65 on the retirement gap advisors need to close.
#RetirementPlanning #FinancialAdvisors #Rethinking65
‘My Business Is My Retirement’: A Potential Gap in Wealth Planning
Business owners face concentration risk when their wealth and retirement security depend on a single exit. Here’s how advisors can help.
rethinking65.com
November 2, 2026 at 2:16 PM
Less than 1 in 5 small business owners has an exit plan.
Yet 70% to 90% of their net worth is locked in the business.
Kimberly Foss at Rethinking65 on the retirement gap advisors need to close.
#RetirementPlanning #FinancialAdvisors #Rethinking65
Yet 70% to 90% of their net worth is locked in the business.
Kimberly Foss at Rethinking65 on the retirement gap advisors need to close.
#RetirementPlanning #FinancialAdvisors #Rethinking65
GP: Banks Are Charging Retirees 21% Interest – This Card Feature Pauses It to 0% Until 2028 #RetirementPlanning
Banks Are Charging Retirees 21% Interest – This Card Feature Pauses It to 0% Until 2028
Note: The information provided here or in any related communications is for informational purposes only and should not be considered as financial advice.
The post Banks Are Charging Retirees 21% Interest – This Card Feature Pauses It to 0% Until 2028 appeared first on The Gateway Pundit.
dlvr.it
November 4, 2026 at 4:17 PM
GP: Banks Are Charging Retirees 21% Interest – This Card Feature Pauses It to 0% Until 2028 #RetirementPlanning
Roth conversions or capital gains can raise Medicare premiums due to IRMAA’s two-year lookback. Learn why avoiding IRMAA thresholds isn’t always best. Blog link in comments. #IRMAA #Medicare #RetirementPlanning #SanDiego #California
October 29, 2026 at 6:01 PM
Roth conversions or capital gains can raise Medicare premiums due to IRMAA’s two-year lookback. Learn why avoiding IRMAA thresholds isn’t always best. Blog link in comments. #IRMAA #Medicare #RetirementPlanning #SanDiego #California
Counting on an inheritance? A 2026 Key Wealth survey found most never confirmed the figures or timing with family. #Inheritance #RetirementPlanning
64% of Affluent Americans Expecting an Inheritance Have Already Changed How They Manage Their Own Finances
And this is before they even know for sure that it’s coming.
www.moneytalksnews.com
October 30, 2026 at 5:06 PM
Counting on an inheritance? A 2026 Key Wealth survey found most never confirmed the figures or timing with family. #Inheritance #RetirementPlanning
The Right Time to Start Planning for Long Term Care
Click the bio link to listen to the full episode.
https://bio.link/edwinlee
#LongTermCare #RetirementPlanning #EstatePlanning #FamilyPlanning
Click the bio link to listen to the full episode.
https://bio.link/edwinlee
#LongTermCare #RetirementPlanning #EstatePlanning #FamilyPlanning
October 28, 2026 at 10:02 PM
The Right Time to Start Planning for Long Term Care
Click the bio link to listen to the full episode.
https://bio.link/edwinlee
#LongTermCare #RetirementPlanning #EstatePlanning #FamilyPlanning
Click the bio link to listen to the full episode.
https://bio.link/edwinlee
#LongTermCare #RetirementPlanning #EstatePlanning #FamilyPlanning
Discover how municipalities can navigate the complex world of retirement funding by understanding the critical difference between annual cash flows and long-term present-value liabilities.
Learn more here
#MN #CitizenPortal #PublicFinance #RetirementPlanning #MinnesotaMunicipalities
Learn more here
#MN #CitizenPortal #PublicFinance #RetirementPlanning #MinnesotaMunicipalities
Workgroup staff lays out how municipal contributions stem from present-value liabilities, not annual cash flows
LCPR staff explained the difference between observable annual cash flows (state aid, benefits, administrative expenses) and the actuaries’ present-value liability that determines long-term contribution needs, using sample retiree scenarios to show how vesting and retirement age affect costs.
citizenportal.ai
November 3, 2026 at 10:11 PM
Discover how municipalities can navigate the complex world of retirement funding by understanding the critical difference between annual cash flows and long-term present-value liabilities.
Learn more here
#MN #CitizenPortal #PublicFinance #RetirementPlanning #MinnesotaMunicipalities
Learn more here
#MN #CitizenPortal #PublicFinance #RetirementPlanning #MinnesotaMunicipalities
Nearly 1 in 5 Americans seeking money help asked AI, but only 3% of U.S. adults have a great deal of confidence in it. See who the financially fulfilled turned to instead. #AI #RetirementPlanning
Nearly 1 in 5 Americans Seeking Money Help Asked AI. How Confident Are They That It Gives Good Advice?
Chatbots, advisors, family or a web search: Americans spread their money questions around. Who they turn to says a lot about how secure they feel.
www.moneytalksnews.com
October 29, 2026 at 5:06 PM
Nearly 1 in 5 Americans seeking money help asked AI, but only 3% of U.S. adults have a great deal of confidence in it. See who the financially fulfilled turned to instead. #AI #RetirementPlanning
A 3.6% Social Security COLA is projected for 2027, but rising healthcare, housing, and Medicare costs may still impact retirees. Focus on long-term purchasing power in your retirement plan. Link in comments. #SocialSecurity #RetirementPlanning #RetirementIncome
October 28, 2026 at 6:00 PM
A 3.6% Social Security COLA is projected for 2027, but rising healthcare, housing, and Medicare costs may still impact retirees. Focus on long-term purchasing power in your retirement plan. Link in comments. #SocialSecurity #RetirementPlanning #RetirementIncome
𝐈𝐬 £𝟏 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 𝐞𝐧𝐨𝐮𝐠𝐡 𝐭𝐨 𝐫𝐞𝐭𝐢𝐫𝐞 𝐨𝐧? 💷
At a 4% withdrawal rate, it could provide £40,000 a year. But inflation, tax and retiring early can change the picture quickly.
Here’s how far a seven-figure pension pot can really go 👇
bit.ly/4zfKJjb
#RetirementPlanning #Pensions #devereinvestment
At a 4% withdrawal rate, it could provide £40,000 a year. But inflation, tax and retiring early can change the picture quickly.
Here’s how far a seven-figure pension pot can really go 👇
bit.ly/4zfKJjb
#RetirementPlanning #Pensions #devereinvestment
October 29, 2026 at 6:46 AM
𝐈𝐬 £𝟏 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 𝐞𝐧𝐨𝐮𝐠𝐡 𝐭𝐨 𝐫𝐞𝐭𝐢𝐫𝐞 𝐨𝐧? 💷
At a 4% withdrawal rate, it could provide £40,000 a year. But inflation, tax and retiring early can change the picture quickly.
Here’s how far a seven-figure pension pot can really go 👇
bit.ly/4zfKJjb
#RetirementPlanning #Pensions #devereinvestment
At a 4% withdrawal rate, it could provide £40,000 a year. But inflation, tax and retiring early can change the picture quickly.
Here’s how far a seven-figure pension pot can really go 👇
bit.ly/4zfKJjb
#RetirementPlanning #Pensions #devereinvestment