by Joe Allaria CFP®, MBA | Mar 3, 2023 | Article, Portfolio Management
2023 Stock Market Predictions and Why You Should Ignore Them Key Takeaways: Most stock market “expert” predictions are wildly inaccurate, even in years like 2022 when markets dropped sharply. Basing your investments on these forecasts can lead to costly market-timing...
by Joe Allaria CFP®, MBA | Jan 13, 2023 | Article, Retirement Planning, Tax Planning
Secure Act 2.0: Top 10 Changes Key Takeaways: Secure Act 2.0 raises the RMD age, adds emergency access to retirement funds, and lowers penalties for missed RMDs. The law boosts retirement savings by expanding catch-up contributions, automatic plan enrollment, and...
by Joe Allaria CFP®, MBA | Jan 9, 2023 | Article, Retirement Planning
Social Security Loopholes Key Takeaways: The popular “restricted application” strategy that let married retirees claim a spousal benefit while their own benefit grew has essentially phased out as of 2023. File-and-suspend can no longer be used to boost spousal...
by Joe Allaria CFP®, MBA | Dec 27, 2022 | Article, Portfolio Management
Don’t Fear a Recession, but be Prepared Key Takeaways: Recessions are a normal, recurring part of the economic cycle, and history shows they’ve always been followed by recoveries and market rallies. The last three U.S. recessions varied in cause and severity,...
by Joe Allaria CFP®, MBA | Nov 26, 2022 | Article, Portfolio Management, Retirement Planning, Tax Planning
Year-End Strategies to Lower Taxes & Optimize Investments Key Takeaways: As the year ends, it’s a smart time to review your finances and use strategies that can lower your tax bill and strengthen your overall plan. Tactics like maximizing retirement...
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