Social Security Benefits and Timing

            The choices you make around Social Security are important ones. There are many factors that go into making a great decision about how to maximize your benefits. A properly optimized Social Security timing strategy can add...

The Cost of Procrastination

Years ago, I lived in a large apartment complex with friends from college. We were newly minted graduates entering our chosen careers. The combination of discretionary income and living in a new city kept us occupied during our time outside of work. Visiting the...

Is a Roth Conversion Strategy Right for You?

Roth IRA accounts have two main advantages, tax free withdrawals (if certain rules are met) and no required minimum distributions for your life!  The Tax Cuts and Jobs Act implemented condensed, lower marginal tax brackets that are set to expire at the end of 2025 (or...

Tax Diversification in Retirement

As you know, diversification is important when it comes to asset allocation and investing. What you may not have heard is how equally important diversification is in tax location, especially when it comes to retirement income planning. Many retirees find themselves in...