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Blog posts tagged with "retirement"

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Keys to Creating a Satisfying Retirement

October 10, 2018

You've done your retirement homework. Your assets are reviewed, you know your financial needs, and your retirement tax plan is in place. Are you ready to enjoy retirement? Probably, but not without a plan to address what happens to many after they re

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Keywords: retirement

IRS and SSA release 2018 tax numbers

November 3, 2017

The IRS and the Social Security Administration published some inflation-adjusted numbers for retirement contributions and gifts for 2018. You can use this information as you begin your tax and financial planning for the coming year.

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Keywords: retirement, tax

2017 Retirement Plan Contribution Limits

October 11, 2017

As we ease into fall, let’s review the maximum contribution limits for Retirement Plans for 2017.

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Three actions to save for retirement

June 24, 2017

If you haven't started saving for retirement or you haven't saved enough, here are three actions you can take to put you in a better position during your golden years:

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December 31: the deadline to donate or distribute

November 7, 2016

As an IRA owner, you've probably heard about required minimum distributions (RMDs). These account withdrawals, which are mandatory once you reach age 70 &1/2;, are coupled with a steep penalty for noncompliance, and you're generally required to take...

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Keywords: ira, retirement, rmd

How to Live Within Your Means in Retirement


Looking back over advice I've given clients and blogs that I've written for our website, I realize there are a few topics that keep rising to the top. Call me crazy, but I really like educating people on retirement planning...

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Keywords: budget, retirement

Follow these suggestions for a comfortable retirement

July 11, 2016

Planning for a comfortable retirement involves coordinating many moving parts. But you can begin by setting up a broad outline and filling in the details once you've taken the first steps.

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Investing During Retirement and Avoiding Uncle Sam’s Tax Booth, Part 2 of 3 in a Series

By Aaron Bates, CFP, Investment Advisor   |  July 7, 2016

People usually spend thirty to forty years saving and investing for retirement. Many become very familiar with the tax rules as they grow their accounts and keep taxes as low as possible during their working years. Then retirement comes and...

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Investment Update

By Ryan Gilmer, FPA, Investment Advisor   |  July 7, 2016

For the calendar year 2016, the S&P 500 Index is up 3.84%. As you can see from the chart below, which shows performance year to date, the index has rebounded from its February lows. The 10% decline that ended in February has been recovered.

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Retiring this summer? Plan for estimated tax payments.

June 4, 2016

Early retirement, delayed retirement, phased retirement - if you've decided this summer is your time to leave the workforce, you have decisions to make. One of them

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Keywords: retirement

Are You Managing Your Retirement Account Correctly?

By Ryan Gilmer, FPA, Investment Advisor   |  June 3, 2016

Retirement accounts are massively important - once you stop working full time, they become your new source of income. But they are also important during your working years.

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Social Security’s Effect on Retirement


Have you ever put together a jigsaw puzzle? If you're like me, you dump out all of the pieces, turn them so you can see a glimpse of the picture, sort out the edge pieces...

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Investing for Your Retirement and Avoiding Uncle Sam’s Tax Booth Part 1 of a Series

By Aaron Bates, CFP, Investment Advisor   |  April 15, 2016

Each investment decision you make comes with some sort of tax impact.A taxable account is perhaps the most common type of investment account.

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Looking for the perfect place to retire? Don’t look too far


Ashland may not be known for its sandy beaches or warm winters, but it may need to be on your retirement destination radar for another reason: Ashland was recently rated

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Don’t forget to include Retirement Planning as a line item of your budget!


I’ve yet to meet anyone who doesn’t want to retire “someday.”..

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Saving for retirement - some things never change

By Aaron Bates, CFP, Investment Advisor   |  October 2, 2015

We are celebrating 32 years of service to our clients this month! Since our firm’s inception in 1983 a lot has changed but some things remain the same.

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Retirement Game Plan

By Aaron Bates, CFP, Investment Advisor   |  October 2, 2015

Autumn in Ohio means football season, and as an alumnus of Ohio State, football is one of my favorite sports – Go Buckeyes!

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Social Security and Cash Flow Planning


I am a fan of budgets! Yes, that might make me a nerd, but I'm good with that. Some might think that being on a budget is too restrictive, but I have personally found that...

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Retirement Planning


When planning to build a house, you first brainstorm. What is important? Essential? Nice, but maybe not necessary? Then a blueprint is designed. Most contractors would not...

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Retirement Calculators Only Go So Far: Trusted Financial Advice Takes You to the End


Just for fun, I Googled “Retirement Calculators” to see what I could find. And yes, I actually used some of the calculators to make sure my husband and I were

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IRS Publishes 2015 401(k) and other Retirement Plan Contribution limits


Planning ahead for next year? Want to know what you can contribute to your retirement plan next year? The IRS recently released limits for 2015 retirement plans:

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Four year-end retirement plan reminders

October 17, 2014

Retirement plans are one of the best ways to cut your current tax bill while you put money away for your retirement years. Here are four year-end reminders.

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Keywords: retirement

Retirement Plans - Benefits Galore

By Aaron Bates, CFP, Investment Advisor   |  October 17, 2014

Company sponsored retirement plans come in many sizes, shapes and colors.The number of employees dictates the types of plans an employer may adopt. A SIMPLE IRA is more

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3 Common Mistakes to Avoid When Retiring

By Aaron Bates, CFP, Investment Advisor   |  April 3, 2014

Through the years the old cliché “an ounce of prevention equals a pound of cure” has proven true over and over again. The choices made at retirement will literally last a lifetime.

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Taxes and retirement accounts

February 24, 2014

Retirement accounts grow tax-deferred until you need the funds. However, in most cases your money cannot remain in these accounts forever.

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“Are we there yet?” 4 Steps to plan for one of life’s greatest events

By Aaron Bates, CFP, Investment Advisor   |  October 14, 2013

As our summer comes to a close, our long road trips to vacations or favorite weekend destinations come to an end, too. Retirement planning is much the same.

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Don't make these common IRA mistakes

August 6, 2013

These days we need to do all we can to boost our retirement savings, and tax breaks can be a big help. Using a traditional IRA to build your nest egg is a great idea. Jus

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Longevity Risk & Survivor Benefits


As you plan for retirement, one of the risks that you need to keep in mind is longevity risk, the risk of running out of retirement resources during your lifetime.

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Understanding the Social Security Lingo and Why it Matters to You


In previous blogs, I’ve written about key terms that affect your decision on when to start taking Social Security Benefits.

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Success Stories of Strategic Timing


Adapted from Real Life Stories As we meet with clients approaching retirement, it’s interesting to listen to them talk about when they intend to start taking their

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