Your Money's Future

Do you prefer being taxed as in individual or business?

18 small business tax deductions worth knowing If you’re a business owner, don’t overlook some of these easy small-business tax deductions that could help improve your bottom line.

Depend on unpaid caregivers or prepare yourself financially to stretch your dollar to afford paid care.

Retirement expert: The need for unpaid caregivers is 'about to skyrocket' TIAA Institute head Surya Kolluri discussed the financial and emotional toll of caregiving and offered insights and strategies for families and employers.

Do what you can now as your New Year's Resolution so you don't have regrets later...

What do people regret the most when they retire? More than two-thirds of retirees wish they had saved more and on a consistent basis — and half wish they hadn’t waited so long to focus on it, according to a new report.

Who do you know that wants to be flexible by spending less at 3.7% instead of 4%? Plus add in the LTC “wild card” expense, which may mean spend less now to save for the unknown future? Learn how to take risk off the table with guarantees.

Why new retirees may need to rethink the 4% rule Investors may need to lower their first-year retirement withdrawals due to lower expectations for long-term stock, bond and cash returns, Morningstar said.

I am grateful to be able to help others in the article's 5 areas of personal finance. Happy Thanksgiving everyone!

Reasons To Be Thankful This Season: A Personal Finance Perspective Personal financial planning isn't just about spreadsheets and savings accounts. It’s also about creating a life where we can find joy, security, and growth opportunities.

The "average " people "saved" is Not necessarily the actual amount Needed for retirement. Get your own personalized portfolio review and retirement calculation score to better assess your options.

The average amount Americans have saved for retirement in every U.S. state—see how you compare Retirement savers in one state have the most saved up, on average, in the U.S.. Here is the average household retirement account balance for nearly every state.

Generation X was the first to cope without ubiquitous workplace pensions, relying instead on a new savings tool called the 401(k). Convert 401(k) to have lifetime income as pensions do.

Reality bites: Is Generation X in denial about its own impending retirement? Generation X is next up for retirement, after the baby boom. Is the slacker generation prepared?

Maximize your tax-free accounts. Can you name all the tax-free types?

I’m a Financial Planner: 3 Worst Pieces of Retirement Advice You Should Stop Listening To If you're getting ready to retire, or even starting to research the process for the distant future, odds are you've heard a lot of advice. Some of it likely better than others. And hey, it worked for...

September is LIAM to Secure Your Money's Future

Is your financial plan on target? Let’s figure it out. Complimentary Financial Review and plan offer ends this month to get your:

• Tax Free Retirement e-book
• Customized Retirement Roadmap
• Personal accumulation & distribution recommendations
• Estimated lifetime income summary, including Social Security

LIAM - Life Insurance Awareness Month

This week's headline market news (and it's only Tuesday) has emotions wildly going up and down. Glad I help people understand diversification strategies to have their SWAN - Sleep Well At Night!

Amazing that $1 million dollars estimated to only last 12 to 20 years. What are your reallocation strategies guaranteed to not run out of money?

Retirees with $1 million in savings could run out of money faster in these states, study finds Retirees in some states, including California and New York, are looking at higher living costs that could use up their retirement savings faster, according to GoBankingRates.

Probably not such much as was it a mistake, but probably more so if depending solely on 1 solution. There is no single solution for all financial concerns. That's why the 3 legged stool has more than 1 leg. Utilize the various beneficial options at your disposal.

Was The 401(k) A Mistake?' Here's What People On Social Media Think A New York Times (NYT) article recently sparked a discussion on Reddit about whether the shift from traditional pensions to 401(k) plans was a mistake. The debate captured a range of opinions reflecting the complexities of retirement savings in the U.S. The Reddit post highlighted key points from th...