by Joe Allaria CFP®, MBA | Sep 15, 2026 | Article, Estate Planning, Portfolio Management, Tax Planning
Required Minimum Distributions for Illinois Retirees: Rules, Taxes, and Planning Strategies Key Takeaways RMDs affect more than your tax bill. Once distributions begin, they can influence your Medicare premiums, how much of your Social Security is taxed, and your...
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 A tax-efficient retirement withdrawal strategy coordinates taxable, tax-deferred, and Roth accounts to help manage taxes while meeting your spending needs. Planning withdrawals around Roth...
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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