The other day, I spotted this headline, “Is Your Diet Keeping You Fat?” Well, if it’s a healthy diet, the answer should be “no.” The article went on to explain when people yo-yo diet, it damages their metabolism and sets them up for failure. You might be able to stick to a stringent diet for [...]
By Bryan Anderson, Annuity Straight Talk by Bryan Anderson Annuity Straight Talk Volatility is probably the biggest concern of most people I meet, but fees may be just as bad for total performance. Paying fees for any type of investment or manager is palatable for some and not for others. There are several ways a [...]
"Should I keep my FEHB plan after I retire?" is one of the most important questions Federal employees must answer as they prepare to end their service. By Brian Swerdlow One of the more complex federal benefits is the Federal Employee Health Benefit or FEHB. Many government employees struggle with the decision to [...]
https://www.youtube.com/watch?v=PzhwHesz62Q By Rick Sparkman Pathfinders Wealth You've been diligently saving and investing for years to build your retirement nest egg. Now, as retirement approaches, it's crucial to start planning early and make informed decisions about what to do with your money to ensure it lasts as long as you do. A key consideration when [...]
by Rick Sparkman Pathfinders Wealth The Internal Revenue Service (IRS) and the Treasury Department have issued the final rules for required minimum distributions (RMDs) for beneficiaries under the 10-year rule, effective September 17, 2024. These rules affect beneficiaries of retirement accounts, mandating annual distributions with the requirement to deplete the entire account within [...]
by Brian Swerdlow Retirement is one of life’s most anticipated milestones. And it’s one that can give you the freedom to choose where you’ll enjoy this new chapter of your life. For government employees, selecting the right state for retirement can significantly impact their quality of life and financial well-being. Here are [...]
by Brian Swerdlow If you work for the federal government then you appreciate the numerous benefits, including attractive and robust insurance options. A standout perk is your ability to potentially continue your insurance coverages into retirement. However, not all employees qualify, and specific requirements must be met. Here’s a look at how some [...]
by Rick Sparkman Pathfinders Wealth "Should I buy an annuity?" is not exactly the hottest topic at dinner parties, is it? But here's the thing: if you're looking to secure a steady income stream in retirement, annuities might just be your new best friend. I know, I know - the word [...]
By Jerry Yu When you contribute to qualified tax-deferred retirement accounts such as traditional 401(k), thrift savings plans (TSP), or IRAs during your working years, you'll have some significant benefits. For one thing, you contribute to these using pre-tax dollars. These contributions reduce the current year's tax liability. Over time, these retirement accounts [...]
by Rick Sparkman Pathfinders Wealth Created by President George W. Bush in 2006, "donor-advised funds," or DAFs, are a $230 billion industry that’s gone largely unnoticed by most Americans. The idea behind DAFs was to increase philanthropic giving by offering the wealthy better tax benefits to encourage them to support more charitable giving. As [...]
by Brian Swerdlow Two popular choices for retirement savings are annuities and mutual funds. While both annuities and mutual funds serve as retirement savings vehicles, they differ significantly in their features and benefits. However, both can contribute to your financial security and retirement advantage, and both are worth looking into. It pays to understand how each works and the [...]
by Brian Swerdlow Anchor Financial If you're nearing retirement, you may be considering purchasing an annuity to provide more safety and stability to your portfolio. Indeed, an annuity can be a fantastic safe money option that provides a reliable income stream in your retirement years. However, annuities, while they are indeed a powerful tool [...]
