Life can be full of curveballs, which can force your long-term financial goals, like retirement savings, to take a backseat. If this sounds like you, youre not alone. In fact, Thrivents Retirement Readiness Survey found that nearly 44% of near-retirees have executed minimal to no retirement planning, leaving their golden years at risk. So, what … Read more
As a strategic partner who helps clients navigate and grow in changing circumstances, Tina is responsible for the direct management of the Citizens Wealth Management financial planning and estate planning team, including a team of CERTIFIED FINANCIAL PLANNERS™, estate and tax planners, and trust officers. Most people look forward to their retirement, dreaming of a … Read more
Dreaming of saying goodbye to the 9-to-5 grind a whole decade and a half before traditional retirement age? You’re not alone! Early retirement at 50 is becoming an increasingly popular goal for many Americans who want to reclaim their time and enjoy life while they’re still young enough to make the most of it But … Read more
A Roth IRA has a unique position in the spectrum of liquid assets. While traditional retirement accounts are generally considered illiquid until retirement age, Roth IRAs offer more flexibility. The answer to whether a Roth IRA is considered liquid isn’t a simple yes or no—it depends on which portion of the account you’re referring to … Read more
Wondering if you can still use that sneaky backdoor to get money into a Roth IRA even when you make too much? Good news – the backdoor is wide open in 2025! Despite years of rumors about its demise, the Backdoor Roth IRA remains a perfectly legal strategy for high-income earners who want tax-free growth … Read more
These reviewers are industry leaders and professional writers who regularly contribute to reputable publications such as the Wall Street Journal and The New York Times. Our expert reviewers review our articles and recommend changes to ensure we are upholding our high standards for accuracy and professionalism. Our expert reviewers hold advanced degrees and certifications and … Read more
These reviewers are industry leaders and professional writers who regularly contribute to reputable publications such as the Wall Street Journal and The New York Times. Our expert reviewers review our articles and recommend changes to ensure we are upholding our high standards for accuracy and professionalism. Our expert reviewers hold advanced degrees and certifications and … Read more
The Dream vs. Reality of Retirement Debt For decades the conventional wisdom has been crystal clear you should absolutely, positively be debt-free before retiring. Many of us grew up hearing stories about “mortgage-burning parties” where our grandparents celebrated their financial freedom. But is this still the right approach in today’s financial landscape? I’ve been researching … Read more
Have you ever wondered what happens to your stuff after you’re gone? If you don’t plan carefully, your loved ones might end up dealing with something called “probate” – a word that makes many estate planning experts cringe I’ve researched this topic extensively, and today I’m sharing why avoiding probate might be one of the … Read more
If youve ever inherited a retirement account, youve probably wondered how to use the funds best. Your new account can help jump-start your journey towards financial freedom. Converting some of your inherited IRA to a Roth account could be a great way to minimize your taxes on retirement income. So you’ve inherited an IRA and … Read more
