Advance Capital Management

Think you have to wait until 59½ to tap into your 401(k) penalty-free? Not always.

If you’re considering early retirement, there’s a strategy you may not be aware of called the Rule of 55 that could allow you to access your retirement savings without the typical 10% early withdrawal penalty.

In our latest YouTube video, we break down what the Rule of 55 is, how it works, and who could be eligible to use it. Click the link to watch:

The Rule of 55: How it Works and Who Can Use It What if you could access your 401(k) before 59½… without paying the 10% penalty? Many people may not realize this, but there is a situation where that’s poss...

Strong retirement plans aren’t built around numbers alone. They’re built around shared goals, expectations, and conversations about the future. However, retirement is one of the biggest life transitions many couples never fully discuss.

To help spark retirement planning conversation, here are 5 questions that you can use with your partner to help shape your vision for the future.

Click here to read:

5 Questions to Ask Your Partner When Retirement Planning Use these five questions to spark the retirement planning conversations with your partner and align your individual and shared goals.

Are you thinking about Social Security in the wrong way?

Many retirees may view Social Security as a monthly check. But what some might not realize is when coordinated strategically with your other investments and income sources, it can be a powerful part of your overall retirement plan.

Watch this short video from our recent webinar to learn key considerations for coordinating your Social Security benefits with your other investments to support your overall retirement strategy.

How to Coordinate Your Social Security Benefits With Your Other Investments For most retirees, Social Security is seen as a single stream of in...

You’ve dreamed, saved and planned for your bucket-list vacation. But what happens if factors out of your control jeopardize it?

Check out our blog as we discuss all things travel insurance to help you determine when it may make the most sense for you and your future plans.

Click here to read 👉

Unpacking Travel Insurance: What to Know Before You Buy Understand what travel insurance is and what it covers to help you decide whether purchasing a policy makes sense for your next getaway.

🎙️NEW EPISODE: The GR8 Financial Sense podcast

In this month's episode:

1️⃣Market Overview
2️⃣Portfolio Updates
3️⃣Oversold Market and Stabilization
4️⃣Corporate Earnings Insights
5️⃣Discussion on AI Investments
6️⃣Use Cases for AI as a Firm
7️⃣Federal Reserve Update
8️⃣Looking Ahead

👀Watch the video episode here: https://hubs.li/Q04gdPcv0

🎧Listen through your Apple or Spotify app, or online here:
https://hubs.li/Q04gdD4L0

We practice fire drills to feel prepared for those rare ‘just in case’ scenarios. So, why should we wait until the unexpected happens to prepare for other areas of our life, like who will be responsible for your bills and expenses if you are unable to?

In our recent Spring Client Webinar, we shared 6 steps to preforming a financial fire drill to bring confidence and help prepare you and your loved ones for the unexpected. And now, we're sharing those learning with you!

Click the link to watch a snippet of the webinar on YouTube 👉https://hubs.li/Q04g589-0 . And as a bonus, check out the description of the video to download a copy of the Financial Fire Drill Workbook!.

One of the most important financial decisions you will make might not even be about you. Did you know your Social Security strategy could impact the financial future of your spouse, former spouse, or surviving family members?

In our latest blog post, we’re breaking down the nuances of Social Security's spousal, survivor, and divorce benefits to help you feel more confident in creating a financial safety net for the people who matter most.

Click the link to read:

What to Know About Social Security Spousal, Survivor & Divorce Benefits Understanding the nuances of Social Security’s Spousal, Survivor and Divorce benefits can help you make smart decisions for you and your loved ones.

For millions of Americans, Social Security is a critical source of retirement income. But did you know that when and how you claim can significantly impact how much you receive over your lifetime?

Understanding the nuances of claiming Social Security could mean thousands of dollars more (or less) in your retirement pocket. Join our upcoming webinar to learn smart, practical strategies that can help you make the most of your benefits.

We're just two weeks away! Click the link to save your seat. 👉https://hubs.li/Q04dJYyd0

As retirement approaches, even subtle shifts in inflation can have a meaningful impact on your purchasing power. Social Security’s cost-of-living adjustment (COLA) is designed to help, but does it always keep pace?

In our latest blog, we break down how COLA works, what to expect in uncertain economic times, and how it fits into your retirement strategy focused on maintaining your lifestyle over time.

Click the link to check it out 👉

Will Your Retirement Keep Up with Inflation? Understanding Social Security’s COLA Understanding how Social Security’s COLA fits into a broader wealth preservation strategy is essential to navigate retirement with confidence.

🎙️NEW EPISODE: The GR8 Financial Sense podcast

In this month's episode:

1️⃣Market Overview
2️⃣Portfolio Updates
3️⃣Market Impact of Geopolitical Conflict
4️⃣Impact on Oil Prices
5️⃣Geopolitical Risks to Portfolios
6️⃣Structural Risks to Portfolios
7️⃣Understanding Normal Market Behavior
8️⃣Looking Ahead

👀Watch the video episode here: https://hubs.li/Q04d54220

🎧Listen through your Apple or Spotify app, or online here:
https://hubs.li/Q04d51DH0

Lump Sum or Monthly Payout; how do you know which option is right for you?

If you're nearing retirement from AT&T, selecting your pension option is one of the most important decisions you’ll make.

Click the link to learn the pros and cons of both options to help you make a more confident decision for your retirement plan. 👉

Pros and Cons of Your AT&T Monthly Payout vs. Lump Sum If you're nearing retirement from AT&T, one decision you will have to make is if you will receive a monthly payout or a lump sum pension. In this video we wi...