by Joe Allaria CFP®, MBA | Apr 29, 2026 | Article, Portfolio Management, Retirement Planning
How Much Does Retirement Cost? A Realistic Look at Retirement Spending Key Takeaways: Start with real numbers, not rules of thumb. Your retirement plan should be built around your actual expenses—core, flexible, and irregular—not a generic percentage or formula....
by Joe Allaria CFP®, MBA | Mar 20, 2026 | Article, Portfolio Management, Retirement Planning
What Retirement Really Looks Like in the St. Louis Metro East Key Takeaways: Know your baseline expenses first. Understanding housing, taxes, utilities, and core living costs in the Metro East gives you a clear starting point before layering in lifestyle spending or...
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 | Feb 23, 2026 | Article, Portfolio Management, Risk Management
2026 Stock Market Predictions Bold forecasts and year-end targets capture attention and shape headlines. But markets move in ways that defy even the most sophisticated analysis. A steady, goal-driven approach has historically proven more reliable than chasing...
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...
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