Retirement and Adult Children
Mar 28, 2025
Families are one of the great joys in life, and part of the love you show to your family is making sure that their basic needs are met. While that’s only to be expected from birth through the high school years, many households are helping their adult children well into their twenties and beyond at the cost of their own retirement savings. (more…)
Tags: Family Wealth, Financial Planner Charlotte NC, Financial Planning, retirement, Retirement Planning
The Need for Power of Attorney
Mar 3, 2025
The point of the POA. A power of attorney (POA) is a legal instrument that delegates an individual’s legal authority to another person. If an individual is incapacitated, the POA assigns a trusted party to make decisions on his or her behalf. (more…)
Tags: Estate Planning, financial advisor charlotte nc, retirement
Couples Retiring on the Same Page
Feb 28, 2025
What does a good retirement look like to you? Does it resemble the retirement that your spouse or partner has in mind? It is at least roughly similar?
The Social Security Administration currently projects an average of 18 years for a retiring man and 21 years for a woman (assuming retirement at age 65). So, sharing the same vision of retirement (or at least respecting the difference in each other’s visions) seems crucial to retirement happiness. (more…)
Tags: financial advisor charlotte nc, Financial Planning, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings
What Happens When There Are No Beneficiaries
Feb 5, 2025
Some accounts have no designated beneficiary. Rarely, the same thing occurs with insurance policies. This is usually an oversight. In exceptional circumstances, it is a choice. Without beneficiaries what happens to these accounts and policies when the original owner dies? (more…)
Tags: Certified Financial Planner Charlotte NC, Financial Planning, Legacy, retirement, Retirement Planning
Are You Retiring Within the Next 5 Years
Jan 31, 2025
You can prepare for the transition years in advance. In doing so, you may be better equipped to manage anything unexpected that may come your way. (more…)
Tags: Certified Financial Planner Charlotte NC, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings
Tax Efficiency in Retirement
Jan 13, 2025
Will you pay higher taxes in retirement? Do you have a 401(k) or a traditional IRA? If so, you will receive income from both after age 73. However, if you have saved and invested much of your life, you may also end up retiring at a higher marginal tax rate than your current one. Tax efficiency in retirement is paramount and many people forget it. In fact, the income alone resulting from a Required Minimum Distribution could push you into a higher tax bracket. (more…)
Tags: Certified Financial Planner Charlotte NC, Investing, retirement, Retirement Planning, Tax Planning, taxes
Why Regular Rebalancing Makes Sense
Nov 22, 2024
Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach? Here’s why rebalancing is key. (more…)
Tags: Certified Financial Advisor Charlotte NC, financial advisor, Investment Planning, Personal Finance, retirement, Retirement Planning
Should We Reconsider What “Retirement” Means?
Nov 18, 2024
An executive transitions into a consulting role at age 62 and stops working altogether at 65; then, he becomes a buyer for a church network at 69. A corporate IT professional concludes her career at age 58; she serves as a city council member in her sixties, then opens an art studio at 70. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Personal Finance, retirement, Retirement Planning
Health Insurance in Retirement
Aug 21, 2024
At any age, health care is a priority. When you retire, however, you will probably focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the doctor for preventive tests and routine checkups. There’s also a chance that your health will decline as you grow older, increasing your need for costly prescription drugs or medical treatments. That’s why having health insurance is extremely important.Tags: Certified Financial Planner Charlotte NC, Insurance, Medicare, Personal Finance, retirement
Retirement Plans for Small Businesses
Jul 17, 2024
As a business owner, you should carefully consider the advantages of establishing an employer-sponsored retirement plan. Generally, you’re allowed certain tax benefits for establishing an employer-sponsored retirement plan, including a tax credit for establishing the plan and a deduction for contributions you make. In return, however, you’re required to include certain employees in the plan, and to give a portion of the contributions you make to those participating employees. Nevertheless, a retirement plan can provide you with a tax-advantaged method to save funds for your own retirement, while providing your employees with a powerful and appreciated benefit.Tags: financial advisor charlotte nc, Financial Planning, Personal Finance, retirement, tax guide, Wealth Building
More Insights
Jul 9, 2025
Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion.
Jul 7, 2025
As Americans get their grills and beach chairs ready for the July 4th holiday, the stock market and the weather across much of the country have both been on heaters. Stocks and bonds continue to effectively navigate a complex policy landscape shaped by evolving trade dynamics, geopolitical tensions, and fiscal stimulus. The market’s resilience in … Continue reading “Market Update – America Gets Record High Stock Prices for Its Birthday”
Jun 20, 2025
Birthdays may seem less important as you grow older. They may not offer the impact of watershed moments such as getting a driver’s license at 16 and voting at 18. But beginning at age 50, there are several key birthdays that can affect your tax situation, health-care eligibility, and retirement benefits.
Jun 18, 2025
During times like these when geopolitical headlines can be unsettling for investors, we at LPL Research like to remind ourselves of one of our key investing principles. Markets have always faced challenges —ranging from geopolitical conflicts and economic downturns to natural disasters, political upheaval and health crises. These events often trigger short-term volatility and shake … Continue reading “Why Long Term Investing Beats Selling in Volatile Times”
Jun 16, 2025
Are you concerned about the inheritance taxes your heirs may have to pay? Then you may want to consider creating charitable lead trusts.
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