by Joe Allaria CFP®, MBA | Jun 16, 2020 | Article, Retirement Planning, Risk Management
How to Navigate the 3 Financial Phases of Life Key Takeaways: Accumulation: automate saving and invest for long-term growth while covering the basics (cash cushion, debt, insurance). Preservation: as withdrawals get closer, shift near-term money into lower-volatility...
by Joe Allaria CFP®, MBA | Jun 9, 2020 | Article, Portfolio Management, Retirement Planning
Why You Need a Specialist Near Retirement Key Takeaways: Near retirement, the key shift is from saving to coordinating withdrawals, Medicare, and Social Security decisions. Medicare premiums can be income-based, so the timing of distributions can affect what you pay....
by Joe Allaria CFP®, MBA | May 26, 2020 | Article, Portfolio Management, Retirement Planning
How to Free Yourself from Financial Anxiety Key Takeaways: Feeling financial anxiety is normal, especially during uncertain times like the COVID-19 pandemic. Reduce the unknowns by taking a clear inventory of your assets, debts, income, and expenses so you know where...
by Joe Allaria CFP®, MBA | May 19, 2020 | Article, Portfolio Management, Retirement Planning
Is Cash King? Key Takeaway: In the article, cash is “king” mainly for near-term safety (a solid emergency fund or upcoming spending), but for long-term goals it can hurt returns if fear keeps you out of the market, so cash should match your time horizon and withdrawal...
by Joe Allaria CFP®, MBA | Feb 13, 2020 | Article, Portfolio Management, Retirement Planning
5 Key Ingredients to a Good Financial Recipe Key Takeaways: Good financial outcomes usually come from preparation—setting clear goals and steps instead of winging it. Build flexibility and balance by avoiding investments that lock you in and diversifying beyond a...
by Joe Allaria CFP®, MBA | Jan 13, 2020 | Article, Estate Planning, Portfolio Management, Retirement Planning, Tax Planning
5 Things the SECURE Act Has Changed for Individuals Key Takeaways: Required minimum distributions now start at age 72 (with the first one due by April 1 of the following year). Most non-spouse inherited IRA beneficiaries can no longer stretch withdrawals over a...
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