Blog
-
4% Rule Explained: A Guide to Retirement Withdrawals
- September 16, 2025
- Category: Investment Strategies for Retirees, Retirement Income Planning, Tax & Social Security Planning
4% Rule Retirement Withdrawals: A Practical, Data-Informed Guide Executive Summary 4% rule retirement withdrawals provide a clear starting point for turning savings into inflation-adjusted income over a typical 30-year retirement. The approach begins with a 4% withdrawal in year one, then maintains the same dollar amount adjusted each year for inflation. Used with sensible flexibility,
-
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
-
Is physical gold the best legacy asset compared to stocks, property, or art?
- September 14, 2025
- Category: Estate Planning, Precious Metals Investing
Is physical gold the best legacy asset compared to stocks, property, or art? Executive summary: Physical gold is durable, simple to own, and easy to divide among heirs. Stocks usually build more long-term wealth but can be volatile and tax heavy inside certain retirement accounts. Property and art can pass on stature or income, yet
-
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
-
Should I continue investing aggressively?
- September 12, 2025
- Category: Estate & Legacy Planning, Retirement Investing
Should I continue investing aggressively if I won’t spend all my wealth? Many retirees with substantial savings face an unusual choice. If you know you will never spend all your wealth, should you keep investing aggressively in retirement, shift toward balance, or focus on preservation? The best answer depends on your goals, your tolerance for
-
What’s the safest way to store millions in gold?
- September 11, 2025
- Category: Precious Metals Investment, Wealth Protection
What’s the safest way to store millions in gold? Executive summary: The safest way to store gold at the seven- or eight-figure level is a layered plan that blends professional vaulting with rigorous documentation, audits, and insurance. Most owners combine fully allocated, segregated vault storage with a smaller portion held closer to home for liquidity.
-
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
-
How can I pass gold to heirs without triggering major taxes?
- September 9, 2025
- Category: Estate & Tax Planning, Gold Investment, Wealth Transfer Strategies
How can I pass gold to heirs without triggering major taxes? As the value of gold continues to rise, many individuals are considering how to pass their gold assets to heirs without incurring significant tax liabilities. Understanding the intricacies of estate and gift taxes is crucial for effective wealth transfer. This article explores proven strategies
-
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
-
How does gold compare to silver, platinum, and Bitcoin as a store of wealth?
- September 7, 2025
- Category: Cryptocurrency & Alternative Assets, Precious Metals Investing
How does gold compare to silver, platinum, and Bitcoin as a store of wealth? Quick take: In the gold vs silver vs platinum vs bitcoin debate, the right store of wealth balances stability, volatility, and long-term utility. This guide compares core traits, correlations, and use cases so you can choose what fits your portfolio. Key