First of all, paying off your mortgage early vs. investing the difference is not an apples to apples comparison.  I don't know of any investments that provide a guaranteed return = to the mortgage interest rate in question.  If you are comfortable with taking on the risk, you might be Read More

Tax preparation is reactive, for the most part.  Tax planning is proactive.  Most people focus solely on tax preparation, which involves preparing necessary documents to file your taxes.  Tax planning involves not only minimizing your tax liability today, but minimizing taxes when you start to draw on your investment assets Read More

Are you approaching retirement with the bulk of your next egg in tax deferred 401ks or IRAs?  With so much uncertainty on where tax rates might head in the future, you might be wondering, "Should I take advantage of Roth conversions?"  They are not for everybody, but in the right Read More

The number one thing I hear from clients is they don't want to ever be a burden on their loved ones, and yet, I've seen a number of estate planning mistakes over the years.  Fortunately, they never truly get exposed unless something unexpected happens.  These 5 common estate planning mistakes Read More

Spoiler alert:  The answer is NOT "do nothing."   Volatility is a healthy part of investing!  If there was no risk to it, there would not be the upside potential the stock market has provided for decades!  Inevitably when the stock market is volatile, I field a bunch of questions Read More

A lot of people focus so much on retirement savings strategies and not enough on withdrawal strategies.  Also, many people don't realize the withdrawal strategies begin years before you retire!  I hope you enjoy this episode and begin to think about how your savings strategies now will impact your withdrawal Read More

It's the end of the year, and most people are thinking about the holidays!  Well, we think about tax efficiencies for our clients, so I wanted to share a few tips that you might want to consider as we approach the end of the tax year.  This should not be Read More

The formula we use at our firm, Imagine Financial Security, is; Financial Goals + Risk Tolerance - Income Sources = Rate of Withdrawal. If you follow this logic, you will find a goals based rate of withdrawal that is customized to your financial plan, not some benchmark created by someone Read More

Social Security represents approximately 40% of all retiree's incomes.  When to claim Social Security is ultimately unique to everyone, so I put this episode together to help you think about multiple factors before making a decision.  

If your investment portfolio and retirement plan can pass these four stress tests, you will find yourself having more peace of mind in your retirement years than you could ever imagine.  Take a listen and learn more about how we can help stress test your plans for retirement.

In this episode we will address how accumulating significant savings into Traditional 401ks and IRAs can lead to a massive tax burden in retirement.  Additionally, we will be addressing the provision in the SECURE Act which will change the way we view leaving these retirement plans to the next generation.

This is our inaugural episode of the Planning For Retirement Podcast.  Therefore, I want to simply introduce the WHY behind this podcast as well as let all of the listeners know about my background both personally and professionally.  Lastly, I will tease the next episode content and hope you all Read More