Tax Planning
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The Safest Way to Use Retirement Savings: A Practical Guide
- October 5, 2025
- Category: Income Strategies, Retirement Planning, Tax Planning
Executive Summary: The safest way to use retirement savings is simple and sturdy: secure an income floor for essentials, hold a cash buffer for shocks, and invest the rest for long-term growth while following clear, rules-based withdrawal guardrails. Blend Social Security, pensions or annuities, a bond/TIPS ladder, diversified portfolios, and a tax-aware withdrawal order so
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Should You Use Separate IRAs for Beneficiaries?
- October 3, 2025
- Category: Estate Planning, Retirement Planning, Tax Planning
Executive Summary: For many families, separate IRAs for beneficiaries make taxes, withdrawals, and investments easier to manage. You gain independent control but accept extra paperwork, strict titling, and hard deadlines. This guide explains what separate accounts are, when they help, when a pooled approach is fine, and how to split the account correctly. What “Separate