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September 23rd, 24th or 30th @ Coopers Hawk
October 21st and 22nd @ Coopers Hawk
October 21st or 22nd at Bonita Public Library
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You are now leaving the Hilltop Wealth Solutions Website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) Website. Schwab is a registered broker-dealer, and is not affiliated with Hilltop Wealth Solutions or any advisor(s) whose name(s) appears on this Website. Hilltop Wealth Solutions is/are independently owned and operated. Schwab neither endorses nor recommends Hilltop Wealth Solutions. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Hilltop Wealth Solutions under which Schwab provides Hilltop Wealth Solutions with services related to your account. Schwab does not review the Hilltop Wealth Solutions Website(s), and makes no representation regarding the content of the Website(s). The information contained in the Hilltop Wealth Solutions Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities. ©2014 You are now leaving the Hilltop Wealth Solutions Website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) Website. Schwab is a registered broker-dealer, and is not affiliated with Hilltop Wealth Solutions or any advisor(s) whose name(s) appears on this Website. Hilltop Wealth Solutions is/are independently owned and operated. Schwab neither endorses nor recommends Hilltop Wealth Solutions. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Hilltop Wealth Solutions under which Schwab provides Hilltop Wealth Solutions with services related to your account. Schwab does not review the Hilltop Wealth Solutions Website(s), and makes no representation regarding the content of the Website(s). The information contained in the Hilltop Wealth Solutions Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities. ©2014.
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This quick reference guide provides key Social Security numbers to help you in planning. The percentages shown here are applied to the primary insurance amount (PIA) of the worker on whose earnings record benefits are being claimed. The PIA can be found on the worker’s Social Security statement. It is an estimate of the benefit amount if claimed at full retirement age (FRA). Clients can obtain their latest statement by opening an account at ssa.gov/myaccount.
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IRA or 401(k)? Know the key differences between these two popular retirement plans to ensure you are saving in the right account.
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A spouse who inherits an IRA or similar account has a couple of options available depending on what the end goals are. But in most cases, the 99% rule offers flexibility and helps preserve the stretch.
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Planning for retirement is never a “set it and forget it” activity: There are unexpected disasters, market drops, and changing laws that invariably cause retirees to reevaluate their plans of action. There’s no way to predict everything that will cause market downturns, but you can prepare yourself by having a solid financial plan in place.
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Before the Secure Act, no one could contribute to their traditional IRA after the age of 70 ½. This has been repealed and there is now no age limit on IRA contributions. So, as long as you earn income, you can contribute to an IRA. The guide plans to prepare you from your first RMD withdraw and beyond. When it comes to RMDs, planning is key.
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If you stopped working, suffered investment losses, set up an estate plan, or switched to itemizing instead of claiming the standard deduction, your taxes would be a hassle in 2022. Your tax burden might increase or decrease for a variety of reasons, not to mention the impact of inflation on your earnings. If this sounds like you, consider diversifying your taxes when building your retirement plan.These 5 tax tips can be your map to tax efficiency for this year’s tax season.
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Before you begin planning your retirement, be sure to mark these important dates in your calendar. Starting at age 50, several birthdays – including “half-birthdays” – are critical to understand because they have implications regarding your retirement income.
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If you’re nearing or in retirement, you need to protect yourself from the eroding effects of inflation, even if it never rises to the level it did during the 1970s. In this guide we’ll look at:
The Effects of Inflation in the Past
What We’re Seeing Now
The Federal Reserve Policy
Strategies to Help You Protect What You’ve Earned From Inflation
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Congress passed the second installment of the SECURE Act under the Omnibus Spending bill of 2023, containing major changes to the retirement planning landscape.
In the past, retirees could typically rely on a pension and Social Security benefits and pensions for the rest of their lives. But today’s retirees are part of the first generation that often must fund their own retirement. Even for those who have saved diligently over many years, the threat of outliving one’s money is legitimate. Lawmakers recognized the changing needs of today’s retirees, and passed the SECURE ACT in 2019, and now the SECURE Act 2.0 in the final days of 2022.
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Estate planning is an important part of retirement planning for many reasons. You’ve worked hard for your money and want to see your children and grandchildren benefit, and, you want to see it passed down in the most efficient way possible. Unfortunately, costly mistakes are all too easy to make, from forgetting to name a beneficiary on your retirement account to not updating your estate plan over time. It’s not just billionaires that need to have solid estate plans, it’s anyone who wants their wishes to be honored after their passing.
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“Communication is key” is an old phrase, but when it comes to your wealth transfer and legacy planning process, it couldn’t be more accurate. The conversations you have with your family before, during, and after this process can go a long way toward avoiding aggravation, the expense of settling in court, and potential infighting.
An open dialogue with your family early on, and including those you care about the most in the wealth transfer and legacy planning process, may help avoid these potential conflicts. The control and sense of security among you and your family early and often in this process can go a long way toward avoiding asset loss and strife.
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