Financial Insights & Resources
credentialed (CFP®, ChFC®, CLU®) perspectives on retirement planning, wealth management, and financial strategy.
Social Security and Pensions: Coordinating Multiple Income Streams
Coordinating Social Security with pension benefits requires careful timing. Learn strategies to maximize combined retirement income from Social Security and pensions.
Social Security Lump Sum Retroactive Benefits: How to Claim Up to 6 Months of Back Pay
Expert insights on social security lump sum retroactive benefits: how to claim up to 6 months of back pay. Learn strategies, key considerations, and actionable steps from a fiduciary financial advisor.
Social Security File and Suspend: What Changed and Strategies Still Available
Expert insights on social security file and suspend: what changed and strategies still available. Learn strategies, key considerations, and actionable steps from a fiduciary financial advisor.
Social Security Ex-Spouse Benefits: Eligibility Rules and How to Claim
Expert insights on social security ex-spouse benefits: eligibility rules and how to claim. Learn strategies, key considerations, and actionable steps from a fiduciary financial advisor.
Social Security Disability (SSDI): Benefits Guide
SSDI provides income if you become disabled before retirement age. Learn eligibility, benefits, and how SSDI interacts with retirement planning.
What Is a Cash Balance Plan? A Hybrid Retirement Solution for Business Owners
Cash balance plans combine features of traditional pensions and 401(k)s, allowing business owners to save $100,000+ annually for retirement. Learn how they work.
Understanding Safe Withdrawal Rates
Learn about understanding safe withdrawal rates and how it impacts your financial planning. Expert guidance from SWE90's fiduciary advisors.
Understanding Required Minimum Distributions (RMD): Complete 2024 Rules Guide
Learn about RMD rules, calculation methods, and strategies to minimize tax impact on your retirement distributions.
Understanding Pension Options at Retirement
Choosing between pension payment options affects your income for life. Understanding options helps make the right choice....
Understanding Longevity Risk
Learn about understanding longevity risk and how it impacts your financial planning. Expert guidance from SWE90's fiduciary advisors.
TSP to IRA Rollover: Complete Guide for Federal Employees
Everything federal employees and military members need to know about rolling over their Thrift Savings Plan (TSP) to an IRA.
Tax Efficient Withdrawal Strategies
Learn about tax efficient withdrawal strategies and how it impacts your financial planning. Expert guidance from SWE90's fiduciary advisors.
Spousal IRA Rules and Strategies
Spousal IRAs allow non-working spouses to save for retirement using household income. Understanding the rules helps families maximize retirement savin...
What Is a Spousal IRA? Retirement Savings for Non-Working Spouses
A spousal IRA lets non-working or low-income spouses contribute to retirement. Learn the rules, limits, and strategies for maximizing household retirement savings.
VA Benefits and Retirement: Coordinating Disability, Pension, and Healthcare
Veterans have access to unique benefits including disability compensation, VA pension, and healthcare. Learn how to coordinate these with your overall retirement plan.
VA Disability Benefits and Retirement Income Planning
How to coordinate VA disability benefits with other retirement income sources for optimal financial planning.
How Social Security Fits Into Retirement Planning
Integrating Social Security into your overall retirement strategy.
Social Security Optimization: When to Claim for Maximum Lifetime Benefits
Social Security claiming decisions can mean a difference of $100,000 or more in lifetime benefits. Learn the optimal strategies for when to claim Social Security based on your age, health, and financial situation.
Umbrella Insurance: Extra Liability Protection for High-Net-Worth Individuals
Expert insights on umbrella insurance: extra liability protection for high-net-worth individuals. Learn strategies, key considerations, and actionable steps from a fiduciary financial advisor.
TSP to IRA Rollover Guide: When and How Military Members Should Transfer Funds
Expert insights on tsp to ira rollover guide: when and how military members should transfer funds. Learn strategies, key considerations, and actionable steps from a fiduciary financial advisor.
VA Aid and Attendance: Pension Benefit for Veterans Needing Care
The VA Aid and Attendance pension benefit provides additional monthly payments for veterans who need help with daily activities. Learn eligibility and how to apply.
Withdrawal Risk in Retirement
Learn about withdrawal risk in retirement and how it impacts your financial planning. Expert guidance from SWE90's fiduciary advisors.
What Is the Windfall Elimination Provision (WEP)? How It Affects Your Social Security
The WEP can reduce Social Security benefits for those with pensions from non-covered employment. Learn how WEP works and strategies to minimize its impact.
Working While on Social Security: Rules and Strategies
Working while receiving Social Security has complex rules. Learn about the earnings test, how it affects benefits, and strategies for working in retirement.