Blog
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7 Proven Ways to Handle the SECURE Act 10-Year Rule
- September 30, 2025
- Category: Estate Planning, Retirement Planning, Tax Strategies
Executive Summary: For deaths in 2020 or later, most non-spouse heirs who aren’t eligible designated beneficiaries must withdraw the entire inherited IRA by December 31 of the 10th year after the original owner’s death. With a clear plan, the SECURE Act 10-year rule can still help you reduce lifetime taxes, preserve investment growth, and support
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Pros and Cons of Aggressive Investing in Retirement
- September 29, 2025
- Category: Investment Strategies, Retirement Planning, Tax & Retirement Income
Executive summary: A higher equity allocation can boost long-run growth and help fight inflation. However, portfolio longevity still hinges on your withdrawal rate and the sequence of returns you live through. This guide shows when aggressive investing in retirement fits, where it fails, and which guardrails can make an equity-heavy plan livable in real markets.
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Can a Gold IRA Hold 401(k) Money?
- September 28, 2025
- Category: Investment Strategies, Precious Metals & Gold IRAs, Retirement Planning
Executive summary: Yes, you can move eligible 401(k) funds into a Gold IRA with a properly executed Gold IRA rollover. The simplest, lowest-risk path is a direct, trustee-to-trustee transfer into a self-directed IRA that can buy IRS-approved metals. Use a direct rollover and there’s no current tax. If money is paid to you instead, plans
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401(k) After Leaving Job: Your 4 Best Options
- September 27, 2025
- Category: 401(k) & Employer Plans, Retirement Planning, Tax & Withdrawal Strategies
Executive Summary: What you do with a 401(k) after leaving job affects taxes, fees, and control for years. You generally have four choices: leave the money, roll to an IRA, roll into a new employer’s plan, or cash out. This guide explains each path, compares them side by side, and gives you a simple checklist
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Impact of Foreign Taxes on Retirement Income
- September 26, 2025
- Category: International & Expat Taxes, Retirement Income Strategies, Retirement Tax Planning
Executive Summary If you receive income across borders in retirement, foreign taxes on retirement income can shrink your cash flow, or, with planning, become mostly a non-issue. This guide shows how the foreign tax credit (FTC), tax treaties, residency rules, and smart asset placement work together to reduce double taxation and keep your withdrawal plan
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Are Safe Deposit Boxes Really Safe for Gold?
- September 25, 2025
- Category: Gold & Precious Metals, Insurance & Risk Management, Retirement & Estate Planning
Executive Summary A safe deposit box for gold can be a secure, low-visibility choice for long-term holders who don’t need 24/7 access. However, the FDIC doesn’t insure box contents, banks usually disclaim liability, and access is limited to branch hours. You’ll likely need private coverage; keep receipts, photos, and appraisals, and set up estate access
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Can a trust hold physical gold for your heirs?
- September 24, 2025
- Category: Estate Planning & Trusts, Precious Metals & Gold, Retirement & Wealth Preservation
Executive Summary Yes, gold can pass outside probate when it’s properly titled to a trust and listed on account or storage records in the trust’s name. Doing it well takes clear titling, trustee-friendly storage, solid inventory and insurance, plus advance planning for taxes, paperwork, and successor access. Short Answer: Yes, If You Set Up Physical
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How Inflation Impacts a Millionaire’s Retirement Portfolio
- September 23, 2025
- Category: Investing, Personal Finance, Retirement Planning
Inflation Risk in Retirement: How Millionaires Protect Their Portfolios Executive Summary Rising prices quietly chip away at what your money can buy. Over decades, that adds up fast. To manage inflation risk in retirement, pair smart asset allocation with steady spending rules and tax-aware withdrawals. This guide uses plain English, simple math, and a clear,
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Should Retirees Add Private Equity to Savings?
- September 22, 2025
- Category: Alternative Investments, Portfolio Strategy, Retirement Planning
Private Equity for Retirees: Should You Add It to Savings? Executive Summary Private equity for retirees can add long-term growth and a layer of diversification beyond public markets. However, it demands patience, higher fees, and a healthy cash buffer. For many households, a small, carefully chosen slice can help; for others, liquid and transparent holdings
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Will central bank gold buying push prices higher?
- September 21, 2025
- Category: Gold & Precious Metals, Macroeconomic Trends & Markets, Retirement Investing & Portfolio Strategy
Will Central Bank Gold Buying Push Prices Higher? A Practical, Data-Informed Guide Executive Summary Central bank gold buying has become a durable, multi-year force. It has coincided with record price levels and helped support demand even when ETFs saw outflows, yet it does not set a guaranteed “floor.” Real interest rates, the U.S. dollar, and