Managing Longevity Risk: The Challenge of Outliving Your Retirement Savings
Managing Longevity Risk: The Challenge of Outliving Your Retirement Savings CORE INSIGHTS The Longevity Threat: Increasing life expectancy, combined with…
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Sequence of Returns Risk: The Hidden Threat to Your Retirement Portfolio
Sequence of Returns Risk: The Hidden Threat to Your Retirement Portfolio CORE INSIGHTS Timing is Everything: Market losses early in…
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Catch-Up Contributions: Boosting Your Retirement Savings After Age 50
Catch-Up Contributions: Boosting Your Retirement Savings After Age 50 Core Insights Age 50 Milestone: Turning 50 unlocks higher annual contribution…
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Dynamic Withdrawal Strategies: Moving Beyond the 4% Rule
Dynamic Withdrawal Strategies: Moving Beyond the 4% Rule Core Insights Flexibility Saves Portfolios: Rigidly withdrawing 4% (adjusted for inflation) during…
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Tax-Efficient Withdrawal Strategy: Which Account Should You Tap First?
Tax-Efficient Withdrawal Strategy: Which Account Should You Tap First? Core Insights The Standard Rule: Withdraw from taxable accounts first, then…
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The HSA as a Stealth Retirement Vehicle: The Triple Tax Advantage
The HSA as a Stealth Retirement Vehicle: The Triple Tax Advantage Core Insights The Only “Triple” Tax Account: HSA offers…
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The Mega Backdoor Roth: Supercharge Your Retirement Savings
The Mega Backdoor Roth: Supercharge Your Retirement Savings Core Insights Break the Limit: This strategy allows you to contribute up…
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Social Security Claiming Age: Optimizing Your Lifetime Income
Social Security Claiming Age: Optimizing Your Lifetime Income Core Insights The “Actuarial” Bet: Claiming at 62 reduces your benefit by…
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Roth 401(k) Strategy for High Earners: Maximizing Tax-Free Growth
Roth 401(k) for High Earners: Maximizing Tax-Free Growth Core Insights No Income Limits: Unlike the Roth IRA, the Roth 401(k)…
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The Financial Order of Operations: A Practical Guide
The Financial Order of Operations: A Practical Guide Core Insights Secure Free Money: Your #1 priority is always the employer…