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There’s a lot to like about investing in a Roth IRA, Roth 401(k) or Roth 403(b), especially if you’re young or expect to be in the same (or higher) income tax bracket when you retire. Any money you invest in a Roth grows tax-free—even when you cash out in retirement—and it can be invested in a number of ways, from stocks and bonds to mutual funds. Another plus: the 2018 Tax Cuts and Jobs Act (TCJA), makes Roth IRAs even more attractive because they can protect your investment from future tax rate increases.

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Retirement distribution planning is not what it used to be. People are living longer, cost of living expenses are on the rise, and healthcare costs are easily outpacing wage increases and the market. Now, more than ever, creating and sticking … Continue reading

Scott Tuxbury, Vice President and Leader for the Retirement and Wealth Management Practices at Sapers & Wallack answers 3 questions about our February blog, “Reimagining Retirement Distribution Planning”. Listen to our podcast here: Share this postFacebook0TwitterLinkedinPinterest0

Most people make a concerted effort to plan and save for retirement, but many fail to account for the projected toll that health care costs will take on their mandatory expenses throughout their retirement. There is a common misconception that … Continue reading

Unclaimed Retirement Benefits: Do you have money lost in old 401(k)s and pensions? There has been a wave of reporting over the last few years around the vast sums of money in unclaimed accounts in the US. Millions of Americans have … Continue reading

What pre-retirees owe could compromise their future quality of life.The key points of retirement planning are easily stated. Start saving and investing early in life. Save and invest consistently. Avoid drawing down your savings along the way. Another possible point … Continue reading

With the end of the year approaching, now is the time for high income earners to assess whether a defined benefit plan makes sense.A defined benefit plan allows the highest deductible contributions of any retirement plan.  This plan allows you … Continue reading

As life expectancies continue to rise, coupled with historically low interest rates, the prospect that retirees face of running out of retirement funds is very real. Given the average life expectancy of a 65 year old female is age 90 … Continue reading

Because if you are nearing retirement and are looking for a vehicle that could give you the opportunity to receive steady income, immediate annuities ought to be considered.  If you are looking to turn some of your investment portfolio from … Continue reading

Given the results of a recent study by the Employee Benefit Research Institute that show only 13% of Americans feel confident that they will have enough money in retirement to live comfortably, the time has come for employers to take … Continue reading