Greenbush Financial Group, LLC

10/10/2026

Leaving your job or retiring doesn’t automatically mean you should roll your 401(k) into an IRA.

There are several options for your retirement savings, and the right choice depends on more than convenience.

Before you make a move, read our article on what to consider when deciding what to do with your 401(k): https://www.greenbushfinancial.com/all-blogs/what-to-do-with-401k-before-retirement

10/10/2026

Retirement budgets often capture the obvious monthly expenses, but some of the costs that can have the biggest impact are easier to overlook.

Irregular expenses, lifestyle changes, home costs, healthcare, travel, and other future spending can all change how much you may actually need in retirement.

A more complete view of your cash flow can help create a retirement plan based on how you realistically expect to live, not just a rough monthly estimate.

Learn more about cash flow and budgeting in financial planning:
https://www.greenbushfinancial.com/cash-flow-budgeting

10/09/2026

FAFSA looks at more than just income.

Where assets are held, who owns them, and how they are reported can all affect how a family’s financial picture is evaluated for aid purposes.

For families preparing for college, understanding how income, savings, investments, and student assets fit into the FAFSA process can help avoid surprises and make planning more intentional.

Learn more about college financial planning and FAFSA considerations:
https://www.greenbushfinancial.com/college-and-fafsa

10/08/2026

Your retirement number is only as accurate as the assumptions behind it.

One of the biggest pieces of the equation is spending. If your estimate is too low, your retirement projection may make it look like you are more prepared than you really are. If it is too high, you may be delaying retirement unnecessarily.

Building a realistic picture of your future expenses can make your retirement plan much more useful.
Learn more about how retirement projections are built and what factors can impact your number:
https://www.greenbushfinancial.com/retirement-projections

10/08/2026

The few years surrounding retirement can have an outsized impact on your financial plan.

From taxes and withdrawals to Social Security and future RMDs, the decisions you make during this window can affect your retirement for years to come.

Read the full article to see what you should be thinking about before and after you retire: https://www.greenbushfinancial.com/all-blogs/first-3-years-retirement-financial-decisions

10/07/2026

Which account should you withdraw from first in retirement?

The answer may not be as simple as cash first, then brokerage, then IRA, then Roth.

That common approach can sometimes leave too much money growing in pre-tax accounts, potentially leading to larger RMDs and higher taxes later.

A more strategic approach may involve pulling from multiple account types at the same time based on your tax bracket, Social Security, Medicare premiums, capital gains, and future RMDs.

Read the full article to see how the order of your withdrawals could impact your retirement income and taxes.

Learn the best order to withdraw from your 401(k), IRA, Roth IRA, and brokerage account while managing taxes, RMDs, and Medicare premiums.

10/06/2026

Selling a business is a major financial event, but some of the most important planning decisions may need to happen well before the sale is finalized.

Tax strategy, retirement planning, business structure, and the timing of certain decisions can all affect what the transition ultimately looks like.

If selling your business may be on the horizon, planning ahead can help you understand the options available before you are already at the closing table.

Learn more about financial planning for business owners: https://www.greenbushfinancial.com/business-owner-planning

10/05/2026

Want to retire before 65?

Your 401(k) balance may not be the biggest obstacle.

For many early retirees, the real question is how to cover health insurance until Medicare begins. COBRA, Marketplace coverage, a spouse’s plan, retiree benefits, or even working part-time can all play a role.

And the cheapest monthly premium is not always the least expensive option once deductibles, prescriptions, provider networks, and out-of-pocket costs are factored in.

Our latest article breaks down the five main ways to bridge the gap to Medicare.

Read the full article before choosing your retirement date.

Retiring before 65? Compare health insurance options before Medicare, including COBRA, Marketplace coverage, spousal plans, and retiree health insurance.

10/04/2026

Business owners have more retirement plan options than many realize, but the plan you started with may not always be the best fit as your business grows.

From SEP IRAs and SIMPLE IRAs to more advanced strategies like Cash Balance Plans, the right structure can depend on your income, number of employees, contribution goals, and overall tax strategy.

If you are self-employed or own a business, it may be worth taking another look at whether your current retirement plan still aligns with where you are today.

Learn more about retirement planning, tax strategies, and other financial planning considerations for business owners: https://www.greenbushfinancial.com/business-owner-planning

10/03/2026

Retiring or leaving your employer with money in a 401(k)?

One of your next decisions may be what to do with it.

Rolling your 401(k) into an IRA can potentially give you more investment choices, greater withdrawal flexibility, easier account consolidation, and additional opportunities for retirement tax planning.

But a rollover is not automatically the right move for everyone. Your current 401(k) may have features worth keeping, and moving the money could mean giving up certain benefits.

Before you move your retirement savings, it is important to understand both sides of the decision.

👉 Read the full article to learn the pros and cons of rolling over your 401(k) in retirement.

https://www.greenbushfinancial.com/all-blogs/should-i-roll-my-401k-into-an-ira