Did you know that if you had $1 million in dollar bills, it would literally weigh a ton and take you about 12 days to count it all? No matter how you slice it, that’s a lot of money! For a long time, a $1 million nest egg was the measure of retirement planning success. … Read more
Are you worried about losing your Social Security benefits because you’re still earning income? Good news – not all income counts against your Social Security earnings limit! I’ve helped hundreds of clients navigate these confusing waters and today I’m breaking it all down for you. If you’re under your full retirement age and receiving Social … Read more
The SSI and SSDI disability programs offer benefits for disabled or blind people. However, the financial eligibility requirements are different. The main difference between Social Security Disability (SSDI) and Supplemental Security Income (SSI) is the fact that SSDI is available to workers who have accumulated a sufficient number of work credits. SSI disability benefits are … Read more
As Americans live longer and face growing concerns about outliving their savings, annuities are becoming a popular way to create steady retirement income. Annuity sales surpassed $432 billion in 2024, according to data from LIMRA, drawing many retirees to the promise of guaranteed payments for life. But while these products can provide stable, reliable income … Read more
Many American workers have assets in one or more employer-sponsored retirement plans (i.e., 401(k), 403(b), profit-sharing plans) to help save for the future. But what happens if you change jobs? Oftentimes, these accounts don’t come with you, so they are set aside to deal with later – in fact, an estimated 1 in 5 U.S. … Read more
Have you ever wondered if you’re allowed to contribute to both a 401(k) through your employer AND have your own Roth IRA on the side? Good news – you absolutely can! Not only is it totally legal, but it might be one of the smartest retirement moves you’ll ever make I’ve spent years helping people … Read more
According to Senior Living, in 2025 the average monthly cost for a private nursing home room in the U.S. is $10,025, that’s $120,304 annually. With costs this high, failing to plan ahead could force families to sell their homes or drain their savings to pay for care. Fortunately, legal tools like trusts and early planning … Read more
With the Autumn 2024 budget announcing fundamental changes to Inheritance Tax relief, further uncertainty has been cast over what is already, for plenty of people, a complicated set of rules to understand. It’s fully reasonable to want to get the estate valuation and probate processes out of the way in the wake of a loss, … Read more
This type of IRA allows you to hold alternative investments in a retirement account, but it comes with complex rules and risks. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on … Read more
Are you worried about what happens to your hard-earned superannuation if your relationship status changes? Maybe you’re planning ahead, or perhaps you’re already facing a separation. Either way, the big question is: is my wife entitled to half my super? I’ve been researching this topic extensively, and lemme tell you – it’s not as straightforward … Read more
