Where Should I Put My Money Before Retirement?
A Guide for Investors With $500,000 or More
July 21, 2026
A Guide for Investors With $500,000 or More
Lucy inherited more than $2.5 million in IRA assets from her late husband, Bill. As a surviving spouse, she had several choices for handling the account.
You’ve worked and saved all your life and have built a large retirement nest-egg. And if inflation hasn’t been bad enough—a million dollars isn’t what it used to be— you now face other issues – tax traps!
For many retirees, the most valuable tax-planning years begin after the paychecks stop but before required minimum distributions begin.
A $2 million portfolio may be enough to retire comfortably in California, but the answer depends on spending, taxes, Social Security, Medicare, housing, and how withdrawals are managed.
Tax planning should be an integral part of your financial plan
Simi Valley, Moorpark, and Thousand Oaks are not inexpensive places to retire.
For many people, Social Security is looking less secure. Should they be worried?
AI can produce retirement answers in seconds. What it often misses are the blind spots that matter most: taxes, timing, risk, and real-life trade-offs, and there’s something else….