Articles
When Should Married Couples File for Social Security?
Your Social Security filing strategy for married couples isn’t just about timing, it’s about protecting the surviving spouse. See the break-even math and learn why
How Should You Organize Your Retirement Portfolio? The Four-Bucket Approach Explained
The four-bucket system — Cash, Income, Growth, and Alternative Income — is designed to help you see how your money works for safety, income, and
What Is Dry Powder In Investing? How Much Cash Retirees May Need To Weather Market Downturns
What Is Dry Powder? A Simple Definition For Retirees: three years of spending needs not covered by reliable income sources like Social Security or pensions.
Do You Know Your Marginal Tax Bracket?
Taxes are confusing. The Form 1040 is confusing. Marginal tax brackets are confusing. Sometimes those of us who work around these things every day forget
Can I Use My Retirement Account to Help My Child Buy a House?
A common question in retirement planning is how to help adult children with a home down payment when most savings are in 401(k)s or other
Roth Conversion Strategy: Tax Brackets, Medicare Premiums, and Hidden Retirement Planning Risks
A Roth conversion can be a valuable tax strategy, or a very expensive lesson in unintended consequences.
A Roth IRA is a retirement account funded
Adventure After Retirement: Hiking the Tour du Mont Blanc
Some retirement dreams take shape over decades. For one of our clients, David Scott, his lifelong love of backpacking led to a 100-mile trek through
Are Covered Call Income ETFs Worth It? What Investors Should Know
You’ve probably noticed a surge in Covered Call Income ETFs lately. Here’s why it matters. The strategy has gone from niche to mainstream, with assets
Should You Cancel Life Insurance Before Retirement? What to Consider First
As retirement approaches, many households face a question: Is it still worth paying for life insurance? If the kids are grown and retirement savings are
Should You Switch to a Roth 401(k) Right Before Retirement?
Future retirees often wonder when it’s worth moving money into a Roth IRA from some other type of account. After all, Roth IRAs are after-tax
Client Spotlight: They Almost Didn’t Retire, Now They’re Exploring Scotland
Charles and Dawn Norfolk were originally hesitant to retire, but because they had the means and the desire, Jason Gove, one of our Phoenix team
The Dry Powder Principle
The Dry Powder Principle is not defensive in spirit. It is disciplined in design. It allows you to pursue long-term growth while protecting your near-term
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