From: Key Private Bank
When it comes to planning for your retirement income, it’s easy to overlook some of the common factors that
can affect how much you’ll have available to spend. If you don’t consider how your retirement income can be
impacted by investment risk, infl ation risk, catastrophic illness or long-term care, and taxes, you may not be able to enjoy the retirement you envision.
Investment risk
Different types of investments…
Go to page: When should you talk about your finances?From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Have you ever wanted to talk about money with a friend or partner, then decided against it? It can be uncomfortable to share how much you earn, how much you’ve saved or how much you owe.
You might feel ashamed of your credit card balance or feel awkward that you seem to earn more than your friends.
But…
A key component of planning your financial strategy is finding the right advisor to help you reach your investment goals. With over
300,000 professionals working under the title of “personal financial advisor” today1, it can be difficult to know which one to choose.
It is important to find an advisor that has the freedom and independence to find financial solutions that best fit your unique needs. Independent registered investment advisors (RIAs), one of the fastest…
From: us.dimensional.com
New Dimensional research shows that managers usually fall short when they try to outguess market prices. That’s good news for investors.
If markets do a good job of pricing securities, you should expect managers who focus on finding pricing “mistakes” to struggle. Dimensional’s Mutual Fund Landscape 2019 study confirms this principle, showing that most fund managers underperform their benchmarks.1 The results suggest that…
Go to page: Have you heard these 5 money myths?From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Has anyone ever made an unfair assumption about your money habits? Was that assumption based on how old you are?
People often look for patterns and trends when it comes to spending and saving, but in reality, your financial approach probably isn’t based on age or decade alone.
What do you think? Do these common beliefs hold true,…
From: www.forbes.com
You’d think that personal finance gurus and pundits would embrace the FIRE movement (Financial Independence / Retire Early). The FIRE crowd preaches a debt-free lifestyle, healthy savings rates, smart low-fee investing, and life over money.
What’s not to love?
Yet it seems that some just can’t help hating on FIRE. They claim few can save the amounts of money…
From: www.principal.com
10,000 simulations highlight impact of guaranteed income for retirees
The simulations have been run and the numbers have been crunched: annuities help improve retirement outcomes compared to investments alone. This is according to new research commissioned by Principal Financial Group® and conducted by Michael Finke, Ph.D., CFP®, and Wade Pfau, Ph.D., CFP®.
The research looked at how retirees can use guaranteed…
Go to page: How and when should you rebalance?From: REAP, LLC. | Retirement & Estate Advisors & Professionals
When was the last time you checked your portfolio’s asset allocation? If your answer is “never” or “I can’t remember,” then it may be time to rebalance.
Maintaining the right balance of stocks and bonds across all your accounts is important when it comes to managing risk, and rebalancing every year or so helps you do that.
Here’s what…
From: kiplinger.com
The IRA contribution limit is $6,000 for 2019. If you are age 50 or over, you can contribute an extra $1,000 as a catch-up contribution.
Good news for retirement savers: The maximum amount that can be contributed to a traditional IRA increased by $500 for 2019. It’s the first increase for the IRA contribution limit since 2013. The…
From: www.thinkadvisor.com
Ed Slott and other retirement experts debate the bipartisan retirement bill’s strict limits on the stretch IRA strategy.
An editorial in The Wall Street Journal criticizing the elimination of the “stretch IRA” in the Secure Act retirement bill is sparking a lively debate among retirement industry officials.
The opinion piece, IRAs in Political Sights, argues that…
Copyright © 2025 • REAP | Retirement & Estate Advisors & Professionals • All rights reserved
(855) 904-REAP • info@retirementestateplan.com
