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How Women Can Save More for Retirement

By Robert Pagliarini on April 11, 2015

Numerous articles have mentioned the obstacles women can face as they save for retirement. Turning from the negative, here are some positive factors that may help women save more.  Financial literacy. Learning about investing, retirement topics and the markets is step one. An appreciation and understanding of the potential of equity investment, a recognition that…

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How To Save Taxes In Retirement

By Robert Pagliarini on March 12, 2015

Will you pay higher taxes in retirement? Do you have a lot of money in a 401(k) or a traditional IRA? If so, you may receive significant retirement income. Those income distributions, however, will be taxed at the usual rate. If you have saved and invested well, you may end up retiring at your current…

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Why You Should Consider a Roth IRA

By Robert Pagliarini on February 28, 2015

The IRA that changed the whole retirement savings perspective. Since the Roth IRA was introduced, it has become a fixture in many retirement planning strategies. The key argument for going Roth can be summed up in a sentence: Paying taxes on your retirement contributions today is better than paying taxes on your retirement savings tomorrow.…

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Retirement Optimism?

By Robert Pagliarini on February 24, 2015

Is it okay to retire today? Many baby boomers shelved notions of retiring during the past few years. Layoffs, the decline in home values, the crushing bear market of 2007-09 – those memories were just too fresh, and their economic effects were still being felt by many households. In 2015, boomers seem a bit less…

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Approach Retirement with a Smile

By Robert Pagliarini on January 23, 2015

CFP Board Gives Tips on How to Control Retirement Spending As millions of Americans prepare for and enter retirement, it’s natural for many of us to feel worried or concerned about how much money is needed to live comfortably. Despite all of the apprehension, there are a few reasons to smile. In fact, recent research into…

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IRA Deadlines Are Approaching

By Robert Pagliarini on

Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. *April 1 is the absolute deadline to take your first Required Mandatory Distribution (RMD) from your traditional IRA(s). *April 15 is the deadline for making annual contributions to a traditional or Roth IRA. Let’s discuss the…

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Money Tips for Young Families

By Robert Pagliarini on January 5, 2015

Plan to put yourself steps ahead of your peers. If you have a young, growing family, no doubt your to-do list is pretty long on any given day. Beyond today, you are probably working on another kind of to-do list for the long term. Where does “saving and investing” rank on that list? For some…

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Retirement Planning

By Robert Pagliarini on December 8, 2014

2015 will bring COLAs, changes & something new. Each year, the retirement benefits landscape looks a little different, and next year is no exception. Here’s a look at what will change, what might develop, and even what won’t change for 2015. The 401(k) contribution limit expands $500 to $18,000 next year. The catch-up contribution limit…

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What You Need To Know About a Solo 401(k)

By Robert Pagliarini on December 5, 2014

A solo 401(k) lets a self-employed individual set up a 401(k) plan combined with a profit-sharing plan. You can create one of these if you work for yourself or if you own a small business with just 1-2 full-time employees including yourself (the second FTE must be your spouse). Reduce your tax bill while you…

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What You Need to Know About Social Security (2015)

By Robert Pagliarini on December 3, 2014

Social Security benefits are increasing 1.7% in 2015. This marks the fourth straight yearly cost-of-living adjustment, following a 1.5% COLA for 2014. Next year, the average monthly Social Security payment for a single retiree increases by $22 to $1,328. The average retired couple will get $2,176 per month in 2015 (a $36 monthly increase). A…

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