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Making the Retirement Leap in 2023

Planning for retirement is something you’ve probably been doing for a good part of your working life. You’ve saved, invested, and mapped out your post-retirement life and goals.

As you get to the point that retirement becomes a reality, there are a lot of choices to make that will have an impact for years to come. The process can be complex at the best of times. For people taking the leap in the next year, there’s an additional layer of worry.

Tuning Up Your Portfolio for 2023

The combination of high inflation, the Federal Reserve’s aggressive program of rate increases, and economic and geopolitical uncertainty has meant volatile markets and the vanishing of traditional sources of portfolio diversification.

Progress has been made, but as the new year unfolds, it will bring additional challenges, including a potential recession. How will that affect financial plans and investment portfolios? There are some things you can do to help your plan ride out more volatility and also keep things on track.

Managing Your Stock Options During a Transition

Employee stock options have increasingly become a piece of total compensation over the last few years, particularly for people employed in high-growth industries such as technology-related sectors. But what happens if a slowing growth picture results in your firm downsizing?

December Market Commentary and November Recap

We’re on the home stretch of a year in which “unprecedented” doesn’t even begin to capture it. Nothing went according to plan, for anyone, from Russia’s invasion of Ukraine to the Fed’s domestic attempts to combat inflation. Along the way, we saw spiking gas prices, tanking equity and bond markets, a continued red-hot labor market, a head-scratcher of a mid-term election, and a broad and deep meltdown of crypto.

401(k) Plans Aren’t Just for Retirement, But Starting Early Matters

Millennial and Gen Z employees know the value of an employer-sponsored retirement plan. A recent survey by Betterment found that 79% of Millennials and 84% of Gen Z would leave their current job for one with better financial benefits. But when it comes to contributing, the numbers go down a lot. A Bank of America study found that only about 55% of Gen Z and Millennial employees contribute, and 70% of Millennials contribute less than $5,000 annually.

Surveying the Alternatives Landscape

Investing can take many forms, and an investment plan often changes throughout your financial journey. But one of the core principles of building a portfolio remains, regardless of your investment strategy’s time horizon, risk profile, or goal.

Insight with Shannon: CPI rate report 11-13-22

Universal Life Insurance: A Primer

Life insurance has three main categories: term life, whole life (also referred to as permanent), and universal life. Each type is distinctive, with its own set of benefits and features. Choosing the best one depends on your individual needs and priorities and the best fit for your family, loved ones, and other beneficiaries.

Insights with Shannon: Rising rates 11-9-22

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Inflation Has Tax Impacts, Too

Inflation has been making every area of our lives more expensive as the costs of the goods and services we use every day have skyrocketed. The Federal Reserve is attempting to lower inflation by using the bluntest tool in its arsenal – raising the key short-term interest rate.

Social Security Benefits Are Increasing. How Will It Affect Your Taxes?

Inflation has been hitting everyone’s wallets all year long. With the cost of everything from fuel to pasta going up, a 40-year high in the cost-of-living-adjustment (COLA) for social security sounds like a good thing. But is that all there is to it?

November Market Commentary: Powell Threads the Needle?

November Outlook and October Recap

How Do You Create a Retirement “Paycheck?”

There’s one question we hear most often from those nearing retirement, is some variation on this:

“How do I get my money out of my retirement plan and into my checking account?”

October Market Commentary – Fed to Economy: Drop Dead. Economy: Wait, No – We’re Slowing

September Recap and October Outlook

Should a Trust Be Part of Your Estate Plan?

Trusts used to be seen as an estate planning tool for only the very wealthy, who have complicated family situations to sort out, and high-value assets to protect.

Times have changed. Modern lives are complicated, asset values are high, and good estate planning is for everyone.

The Best CD and Savings Account Rates Right Now, and Why The Fed’s Latest Rate Hike Could Send Them Even HigherCapture NextAdvisor.PNG

Shannon Grey, CFP®, CRPC®, MPAS® with InvestEdge Planning provides commentary in this NextAdvisor article

Do You Need A Budget In Retirement?

Planning for the Five Big Tax Challenges in Retirement

Student Loan Forgiveness: A Primer

September Market Commentary: If the Fed Is Having a Goldilocks Moment, Is the Economy Baby Bear?

Avoiding the Penalty for Early Roth IRA Withdrawals

Is Tax-Loss Harvesting Right for Your Portfolio?

August Market Commentary: Will a Month of Fresh Data Change the Fed’s Aggressive Stance?

Retiring in a Volatile Market: Control What You Can

Retirement during a volatile market is unsettling. Whether you are on the cusp or have already made the leap, a market downturn’s impact on your savings will be felt now and potentially for years to come. How do you keep your plan on track and your desired lifestyle in place?

If you can’t control income, you’ll need to control expenses. And that means budgeting and taxes. You can deploy tactics and strategies to optimize these factors no matter what stage you are in on your retirement journey. Click the link to read the article.

Tax Planning at the Mid-Stage of Your Career

Financial planning that focuses on your goals and helps you achieve flexibility in your journey is critical at the mid-point of your career. It’s how you build a plan to help you realize the lifestyle you want now while keeping longer-term achievements on track. Staying on top of your career earnings by regularly benchmarking your salary to the market and effectively managing equity compensation are two areas where you can keep the income element growing and your wealth building. But an overlooked area is how much of your income you get to keep. Click the link to read the article.

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The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, InvestEdge Planning LLC disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement, and suitability for a particular purpose. InvestEdge Planning does not warrant that the information will be free from error. None of the information provided is intended as investment, tax, accounting, or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall InvestEdge Planning LLC be liable for any direct, indirect, special, or consequential damages that result from the use of, or the inability to use, the materials in this site, even if InvestEdge Planning LLC or an InvestEdge Planning LLC authorized representative has been advised of the possibility of such damages. In no event shall InvestEdge Planning LLC have any liability to you for damages, losses, and causes of action for accessing this information. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

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