Retirement - The Independent Financial Group

Planning Your Future Without a Roadmap?

You want to begin planning your future life, but aren’t sure how. You want help but don’t know how to get stareted. Sound familiar? It should.

September 14, 2023

Roth Accounts Provide Many Advantages – But Congress Could Provide the Wild Card.

But Congress Could Provide the Wild Card. Roth accounts can be attractive, especially when viewed through the lens of our national debt and the possibility (probability?) of higher taxes in the future to fund that debt.

August 7, 2023

Older Variable Annuities Can Be Expensive!

Older annuities have grown – and so have their expenses. They may be worth a review.

August 3, 2023

Social Security Answers to The Most Pressing – Questions.

Social Security decision-making isn’t as easy as it was for our parents and grandparents. When they became eligible, they simply went downtown (remember those places?) and simply filed.
Not so easy today. Social Security decision-making has become more complex and, unfortunately, because of that, there are few ‘simple’ answers.

July 6, 2023

Which is Better: An IUL or a Roth IRA?

When it comes to building a solid financial future, finding the right investment vehicle can be a daunting task. Comparisons are often made between an IUL (Indexed Universal Life Insurance) and a Roth IRA (Individual Retirement Account) as a choice between getting life insurance or investing in the stock market. While an IUL can give the appearance of doing both; however that’s not really the case – and, often, this can lead to unrealistic expectations.

June 6, 2023

How Can You Make Your Retirement Money Last?

Making your retirement nest-egg last through retirement isn’t easy. Company pension plans have all but disappeared, which means it’s now up to you to be your own actuary. Unfortunately, it’s not something many are equipped to do.

May 4, 2023

A Tax Trap That Catches Many By Surprise

Tax planning through retirement is important; and failing to do it through all four stages of retirement can prove costly because some of the tax traps are permanent. Here’s an example:

April 17, 2023

What Baby Boomers Need to Know About Social Security in 2023!

Social Security claiming decisions aren’t as simple as they may appear. The decisions you make for yourself can impact your spouse, your future taxes, and even the bite Medicare premiums take from your Social Security benefits.

April 11, 2023

SECURE Act 2.0 and How Tax Law Changes Might Change Your Plans.

The SECURE Act includes roughly 100 new rules for retirement affecting both individuals and businesses – all with tax implications and various effective dates. These are the most expansive changes to retirement rules in 40 years.

March 31, 2023

Should You Take Social Security Early and Continue to Grow your IRA?

Many people believe they should take Social Security early in order to keep from drawing down IRA assets, believing that the longer they can grow the IRA tax-deferred, the better off they’ll be.
Are they wrong? Maybe. Maybe not. Different people are in different circumstances.

March 20, 2023

Category: Retirement

Planning Your Future Without a Roadmap?

Roth Accounts Provide Many Advantages – But Congress Could Provide the Wild Card.

Older Variable Annuities Can Be Expensive!

Which is Better: An IUL or a Roth IRA?

How Can You Make Your Retirement Money Last?

A Tax Trap That Catches Many By Surprise

SECURE Act 2.0 and How Tax Law Changes Might Change Your Plans.

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Planning Your Future Without a Roadmap?

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Roth Accounts Provide Many Advantages – But Congress Could Provide the Wild Card.

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Jim's Money Blog

How to Create A Risk-Free Investment Strategy.

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