Educational perspectives on retirement planning, wealth management, and financial strategy.
59 articles
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.
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.
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.
Learn about withdrawal risk in retirement and how it impacts your financial planning. Expert guidance from SWE90's fiduciary advisors.
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 receiving Social Security has complex rules. Learn about the earnings test, how it affects benefits, and strategies for working in retirement.
Coordinating Social Security with pension benefits requires careful timing. Learn strategies to maximize combined retirement income from Social Security and pensions.
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.
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.
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.
SSDI provides income if you become disabled before retirement age. Learn eligibility, benefits, and how SSDI interacts with retirement planning.
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.
Learn about understanding safe withdrawal rates and how it impacts your financial planning. Expert guidance from SWE90's fiduciary advisors.
Learn about RMD rules, calculation methods, and strategies to minimize tax impact on your retirement distributions.
Choosing between pension payment options affects your income for life. Understanding options helps make the right choice....
Learn about understanding longevity risk and how it impacts your financial planning. Expert guidance from SWE90's fiduciary advisors.
Everything federal employees and military members need to know about rolling over their Thrift Savings Plan (TSP) to an IRA.
Learn about tax efficient withdrawal strategies and how it impacts your financial planning. Expert guidance from SWE90's fiduciary advisors.
Spousal IRAs allow non-working spouses to save for retirement using household income. Understanding the rules helps families maximize retirement savin...
A spousal IRA lets non-working or low-income spouses contribute to retirement. Learn the rules, limits, and strategies for maximizing household retirement savings.
Veterans have access to unique benefits including disability compensation, VA pension, and healthcare. Learn how to coordinate these with your overall retirement plan.
How to coordinate VA disability benefits with other retirement income sources for optimal financial planning.
Integrating Social Security into your overall retirement strategy.
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.
What Is a Roth Conversion? When and How to Convert
Wash Sale Rule: What Investors Need to Know
The Roth Conversion Ladder Strategy: A Complete Guide to Tax-Free Retirement Income
Taxable vs Tax-Advantaged Accounts. Taxable brokerage accounts and tax-advantaged retirement accounts have different contribution, withdrawal and tax rules.
Tax Planning for Stock Options: ISOs vs. NSOs. ISOs and NSOs have different tax rules at grant, exercise and sale.
Tax Planning for Stock Compensation: RSUs, ISOs, NSOs. Tax planning for stock compensation involves reviewing the tax treatment of RSUs, ISOs and NSOs alongside your financial goals.
Tax Planning for Retirement Income
Tax Planning for Rental Property Owners
Tax Loss Harvesting: Turning Losses into Savings. Tax-loss harvesting involves realizing investment losses in taxable accounts to potentially offset capital gains.
Tax-Loss Harvesting: Complete Strategy Guide for Investors. Tax-loss harvesting involves realizing investment losses in taxable accounts.
Tax-Loss Harvesting Strategy: How to Turn Investment Losses into Tax Savings
Tax-Loss Harvesting: How to Turn Investment Losses Into Strategic Tax Savings
Tax-Loss Harvesting Strategy Guide. Tax-loss harvesting involves realizing losses in taxable accounts to offset capital gains under tax rules.
Tax-Efficient Withdrawal Strategies for Retirement: Maximizing After-Tax Income
Tax-Efficient Investing: Strategies for High Earners
Tax-Efficient Investing for High Earners: Strategies to Keep More of What You Earn
Tax-Efficient Charitable Giving. Charitable-giving planning considers your goals and the potential tax effects of different gifts.
Tax Bracket Planning Strategies. Tax bracket planning evaluates how income recognition and deductions affect current and future taxes.
Tax Benefits of Home Ownership. Home ownership may offer tax deductions or a home-sale gain exclusion if applicable requirements are met.
Tax-Advantaged Investing for Education. Education savings options offer different tax treatment, eligibility requirements and investment risks.
State Tax Planning for Retirees: Low-Tax States and Strategies. State tax planning involves comparing how states treat Social Security, pensions, retirement distributions and other income.
State Income Tax in Retirement: Where You Live Matters. State tax planning in retirement means reviewing how state rules affect your income, accounts and potential relocation decisions.
Roth Conversion Strategy Guide. A Roth conversion moves eligible retirement assets into a Roth IRA.
Retirement Account Contribution Deadlines. Retirement accounts have different contribution deadlines and eligibility rules.
Required Minimum Distributions (RMDs): Rules and Strategies. Understanding required minimum distributions can help you plan retirement withdrawals.
Required Minimum Distribution Strategies. Required minimum distributions (RMDs) are annual withdrawals required from many retirement accounts.
How to Reduce Taxes in Retirement. Retirement tax planning considers how income, withdrawals and deductions interact over time.
Qualified Opportunity Zones: Tax Benefits for Capital Gains Deferral
Qualified Opportunity Zone Investing: Tax Benefits Explained
Qualified Dividends vs Ordinary Dividends. Qualified and nonqualified dividends can receive different federal tax treatment.
What Are Qualified Charitable Distributions (QCDs)? Tax-Smart Giving from Your IRA
Net Unrealized Appreciation (NUA): A Tax Strategy for Company Stock in 401(k). Net Unrealized Appreciation (NUA) is the increase in employer securities while held in a qualified plan.
Net Investment Income Tax (NIIT): 3.8% Surtax Explained. Net Investment Income Tax (NIIT) is a federal tax, not an investment strategy.
Medicare IRMAA Tax Planning. IRMAA is an income-related adjustment to Medicare Part B and Part D premiums.
Kiddie Tax Rules: Taxing Children's Investment Income. The kiddie tax is a federal tax rule for certain children's unearned income, not an investment strategy.