by Joe Allaria CFP®, MBA | Jul 15, 2026 | Article, Estate Planning, Retirement Planning, Tax Planning
Illinois Estate and Inheritance Taxes: What Retirees Should Know Key Takeaways Illinois can tax an estate that owes the federal government nothing. The state’s exclusion sits far below the federal one, so families who assume estate tax is someone else’s...
by Joe Allaria CFP®, MBA | Jul 8, 2026 | Article, Portfolio Management, Retirement Planning, Tax Planning
Should I Do a Roth Conversion? When It Makes Sense and When It Doesn’t Roth conversions can help reduce future taxes, but are not right for everyone. The best opportunities often occur after retirement but before Social Security and RMDs begin. Medicare premiums,...
by Joe Allaria CFP®, MBA | Jun 12, 2026 | Article, Portfolio Management, Retirement Planning
Retirement Planning for Pre-Retirees in the St. Louis Metro East: What to Focus on at 55+ Key Takeaways At 55+, retirement becomes a set of connected decisions. Income, taxes, healthcare, and housing are increasingly interconnected, so a fully integrated plan should...
by Joe Allaria CFP®, MBA | Jun 4, 2026 | Article, Portfolio Management, Retirement Planning
How to Create a Tax-Efficient Withdrawal Strategy in Retirement Key Takeaways Social Security choices shape survivor income. The age you claim can affect the benefit available to a surviving spouse, which may change how much they need to rely on investment accounts,...
by Joe Allaria CFP®, MBA | May 13, 2026 | Article, Portfolio Management, Retirement Planning
How Social Security Decisions Can Impact Your Estate Plan Key Takeaways Social Security choices shape survivor income. The age you claim can affect the benefit available to a surviving spouse, which may change how much they need to rely on investment accounts,...
by Joe Allaria CFP®, MBA | May 6, 2026 | Article, Portfolio Management, Retirement Planning
How to Turn Your Savings Into Reliable, Tax-Efficient Retirement Income Key Takeaways Turning savings into retirement income requires coordinating withdrawals, taxes, and multiple income sources. Tax-efficient strategies and account coordination can significantly...
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