Retirement Planning
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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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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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Can I work part-time and still withdraw from my retirement accounts?
- September 15, 2025
- Category: Retirement Planning, Taxes & Social Security
Can I work part-time and still withdraw from my retirement accounts? Executive summary Yes. You can work part-time and take withdrawals from IRAs or 401(k)s at the same time. The real question is how to do it tax-efficiently. Your plan should account for the Social Security earnings test before full retirement age, required minimum distributions
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How much gold can I realistically buy at one time?
- September 13, 2025
- Category: Precious Metals Investing, Retirement Planning
How much gold can I realistically buy at one time? Buying gold in bulk is not as simple as writing a check and walking away with bars. Dealers, banks, and regulators impose limits. Storage and resale add another layer of complexity. Retirees in particular need to balance security, liquidity, and long-term planning. This guide explains
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What’s the difference between pre-tax and post-tax retirement withdrawals?
- September 10, 2025
- Category: Retirement Planning, Tax Strategies
What’s the Difference Between Pre-Tax and Post-Tax Retirement Withdrawals? Executive Summary: The main divide in pre-tax vs post-tax retirement withdrawals comes down to when you pay taxes. Pre-tax accounts delay taxes until you withdraw money in retirement, often forcing taxable distributions at age 73. Post-tax accounts, like Roth IRAs, tax your contributions upfront, but qualified
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How do retirement account withdrawals affect my Social Security taxes?
- September 8, 2025
- Category: Retirement Planning, Social Security, Tax Strategies
How do retirement account withdrawals affect my Social Security taxes? Quick take: This guide explains how retirement withdrawals affect Social Security taxes via provisional income thresholds, timing, and account type—plus tactics to legally reduce the tax bite. Key takeaways Provisional income determines if up to 50%–85% of benefits become taxable. Traditional IRA/401(k) withdrawals raise AGI