From: REAP, LLC. | Retirement & Estate Advisors & Professionals
More money means more spending power.
When a promotion at work or a lucrative investment puts more money in your pocket, you’re naturally inclined to treat yourself. But are you still finding the right balance between spending and saving for the future?
Keep these guidelines in mind if you want to keep lifestyle inflation under control.
Recognizing the Trend
Lifestyle inflation is…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
The new administration has proposed tax changes that could affect estate planning for the wealthy.
While these proposals may not pass, they offer an important reminder. No matter what, it’s important to remain alert to how the tax code can affect investments and the assets we want our families to inherit.
And while it’s hard to act in the…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
What do you know about cryptocurrency? Though it’s a hot topic much discussed by some investors, this relatively new digital currency remains potentially confusing.
Gain a clearer understanding of Bitcoin and other types of cryptocurrency with these frequently asked questions.
What is cryptocurrency?
Cryptocurrency, often shortened to just “crypto,” is a type of unregulated virtual currency. It works with the…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
How much do you earn each year? The answer to that question can affect how you approach saving for retirement.
If you earn above a certain amount, you cannot make direct contributions to a Roth IRA, for example.
Are you wondering about the retirement savings options for high earners? Here are a few details to keep in mind.
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Are you wondering about different ways to invest in your family’s future?
A custodial account can help you give your children (or another young family member, like a niece, nephew or grandchild) financial support for their college education.
How Custodial Accounts Work
A custodial account is a type of savings account that allows adults to control funds on behalf of…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
At some point, many people consider buying a second home.
This new property might be your vacation getaway or an addition to your investment portfolio. But, just like buying your first home, such a large purchase requires careful consideration.
These four questions can help guide you as you weigh the potential benefits and challenges of purchasing another house.
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
You may have heard that it’s a good idea to save about five to six times your salary by age 50 and seven times your salary by age 55.
While there are no one-size-fits-all rules to follow, a nest egg of this size, along with Social Security, allows many people to maintain their current lifestyle throughout retirement.
No matter how…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
As baby boomers move into and through retirement, they will pass on substantial wealth to younger generations.
This financial shift will impact each generation (and each family) differently, but we’re likely to see a few common themes and trends emerge.
Are you wondering about the ins and outs of transferring wealth thoughtfully? Here are a few details to…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
What lies ahead?
It’s impossible to predict the future, but that doesn’t mean you have to feel caught off guard during times of uncertainty.
In particular, when it comes to safeguarding your wealth, there are steps you can take to help protect your assets and find peace of mind.
Here are a few good practices to be aware of.
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Have you thought about the expenses you might have during retirement that weren’t an issue during your working years?
You’ve probably considered whether your overall expenses will be higher, lower or the same, but you may not have dug into the details yet.
Here are a few costs that can sometimes catch retirees off guard.
Income Taxes
While your 401(k) balance…
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