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...
by Joe Allaria CFP®, MBA | Apr 29, 2026 | Article, Portfolio Management, Retirement Planning
How Much Does Retirement Cost? A Realistic Look at Retirement Spending Learn how to calculate your true retirement expenses, from core monthly costs to irregular, one-time spending that often gets overlooked. See how income sources like Social Security and pensions...
by Joe Allaria CFP®, MBA | Mar 20, 2026 | Article, Portfolio Management, Retirement Planning
What Retirement Really Looks Like in the St. Louis Metro East A closer look at Metro-East St. Louis shows how local costs, community lifestyle, and day-to-day convenience can shape what retirement actually feels like. From housing and everyday expenses to recreation...
by Joe Allaria CFP®, MBA | Feb 24, 2026 | Article, Portfolio Management, Retirement Planning, Tax Planning
2026 Retirement Contribution Limits Explained Retirement savers have new opportunities in 2026, with higher contribution limits and updated tax rules affecting 401(k)s, IRAs, and SIMPLE IRAs. Knowing how these changes apply to your situation can help you strengthen...
by Joe Allaria CFP®, MBA | Dec 30, 2025 | Article, Portfolio Management, Retirement Planning, Tax Planning
Roth 401(k) vs. Traditional 401(k): Which One Is Right For You? Choosing between a Roth and Traditional 401(k) depends on your tax rate now versus in retirement: pay taxes now with a Roth, or later with a Traditional. Many people benefit from using a mix of both for...
by Joe Allaria CFP®, MBA | Oct 29, 2025 | Article, Portfolio Management, Retirement Planning
How Should I Invest My 401(k)? The best way to invest your 401(k) is to choose a diversified mix—often through a simple target date fund or a well-balanced portfolio of stock and bond funds—that aligns with your age, risk tolerance, and long-term retirement goals. A...
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