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Legacy Planning & Wealth Transfer

“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.

Legacy & Estate Planning

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.

The Basics of The SECURE Act 2.0

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.

2023 Map to Tax Planning Success

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.

Retirement and Inflation

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

Important Birthdays Over 50

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.

Required Minimum Distributions (RMDs)

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.

Market Volatility In The New Age

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.


Do you want more about spousal IRA’s?
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Social Security QUICK Reference Guide for 2022
Should I Consider a ROTH Conversion?
2022 Social Security Benefits Guide
Key Financial Data For 2022

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Hilltop Wealth Solutions (“Company”) is an SEC registered investment adviser located in Mishawaka, IN with branch office located in MI and other locations throughout IN.  The Company may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.  The Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of the Company’s web site on the Internet should not be construed by any consumer and/or prospective client as the Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by the Company with a prospective client shall be conducted by a representative that is either registered or qualified for an exemption or exclusion from registration in the state where the prospective client resides.  For information pertaining to the registration status of the Company, please contact the SEC or the state securities regulators for those states in which the Company maintains a notice filing.  A copy of the Company’s current written disclosure statement discussing Company business operations, services, and fees is available by going online via the SEC’s Investment Advisers Public Disclosure (IAPD) database at, using SEC #801-115255.

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