A big part of planning for your retirement future is accounting for the “what-ifs.” No matter how careful anyone is, unexpected changes can occur: accidents, illness, and deaths. That’s where insurance comes in. Life insurance and the features it offers are definitely worth considering, and not only to provide for your loved ones after you’re […]
Financial Stability Read More »
It’s been a while since the Secure Act of 2022 came about, but it’s time to refocus on its impact in 2024. Did you know that, beginning in 2024, Roth 401(k)s are no longer subject to RMDs? This means that Roth savers, whether in a 401(k) or an IRA, can keep their contributions invested their
Fine-Tuning Your Retirement Read More »
Strategists who work with couples have found there to be a few conflicts that are most common between them. Different priorities: financial management done predominately by one partner, helping adult children, and disagreements over an inheritance. Each seems to resonate in different ways as we all know how common it is to have one partner
Financial Conflict Between Couples Read More »
We’ve been asked a few questions regarding what happens to those portions of your estate that aren’t treated consistently with what you say in your will. Many people assume wills and trusts are the pillars of a perfect estate plan. However, asset titling–the way you own an asset–is just as critical. Conflict instructions can create
Having just taken a look at your traditional IRA, you may be wondering if the time is now to convert it to a Roth IRA. Choosing between a Roth and a traditional IRA requires you to estimate what your tax situation will be when you start drawing from the account. This analysis is different from
Roth IRA Vs Traditional IRA Read More »
What does retirement really, truly mean? What are your plans for after you retire? We’ve been thinking about this recently. Many would define it as “retreating from the ‘busyness’ of life.” When do you plan on retiring? How old will you be? How long do you think you’ll spend in retirement? Getting away from all
The Busyness of Life Read More »
The article I thought to share with you this week tells us that if you celebrate your 62nd birthday in 2017 or soon after, you’re in the vanguard of a big change in Social Security. Starting with people hitting that milestone in January, the full retirement age (FRA)—that is, when you can collect your entire
Social Security Earlier? Read More »
With a title like “Sharpen your pencils, let’s work the numbers” I knew you would enjoy being provided with the opportunity to see how ready you are for retirement, and if your numbers add up to what you thought they would in terms of your ideas of where to put your retirement saving so that
Retirement Planning Worksheet Read More »
Ted Moyer, President of Legacy 360 Financial LLC, was featured in the May 10, 2018 issue of Proactive Advisor Magazine, a weekly publication that delivers the latest news and trends in active investment management. In this article, Ted talks about his client-service philosophy. Proactive Advisor Magazine: Ted, talk about your client-service philosophy. Ultimately, our business
A values-based approach to wealth management Read More »
An annuity is a lump sum of cash invested to produce a monthly stream of income for a fixed period or for life. Annuities tend to provide high layers of protection for your investments. Below are two famous annuity owners, as well as a handful of annuity misnomers. Contact us if you are interested in exploring options
Famous Annuity Owners Read More »
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