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Enhancing Your Retirement Plan with Charitable Giving RMDs
As retirees plan their financial futures, many seek ways to maximize their resources while giving back to the causes they care about. One powerful tool that combines tax efficiency with charitable generosity is the Qualified Charitable Distribution (QCD), often linked...
End-of-the-Year Tax Planning:Why Now is the Perfect Time for a Roth Conversion
As the year winds down, it’s time to think about your financial “housekeeping” tasks—especially tax planning. A popular, strategic approach is the Roth conversion, which allows you to convert some or all of your traditional IRA funds into a Roth IRA. A Roth conversion...
Financial Planning Month Focus: Make the Most of Medicare Open Enrollment
October is not only the season of changing leaves and cooler weather; it's also Financial Planning Month, a perfect time to take a closer look at your overall financial health. Medicare deserves special attention in October, especially since it coincides with the...
Using Life Insurance as a Protection Tool: Safeguarding Your Future
September marks Life Insurance Awareness Month, a perfect time to reflect on life insurance's role in financial planning. While many people associate life insurance with a safety net for loved ones after death, it’s also a versatile tool that offers a variety of...
Maximizing Social Security Benefits While Managing Taxes
Navigating the intersection of Social Security and taxes can be a complex yet important aspect of retirement planning. Understanding how Social Security benefits are taxed and the strategies available to minimize tax liabilities can significantly impact your financial...
Midyear Financial Check-Up: Smart Money Moves for 2024
As we approach the midpoint of 2024, it’s an opportune time to review our financial health. Larry Roby, CEO and financial advisor at SFA Wealth Management, recently shared valuable insights on NewsChannel5 about the essential steps to ensure your finances are on track...
Understanding the Retirement Bucket Strategy
Planning for a sustainable income in retirement is a crucial aspect of financial stability. One effective approach to achieving this goal is the retirement bucket strategy. This method divides your savings into distinct categories or "buckets" based on their time...
Protecting Your Most Valuable Asset with Income Protection
As you approach retirement, securing your financial future becomes paramount. While investments and savings are critical, income protection must often be noticed. At SFA Wealth Management, safeguarding your income is crucial to ensure a stable and comfortable...
Estate Planning Across Generations: Navigating Wealth Transfer and Preservation
The Vital Role of Intergenerational Estate Planning Estate planning is often envisioned as a task for the later stages of life, primarily focusing on preparing for retirement and beyond. However, its true importance lies in managing assets for oneself and ensuring a...
The Imperative of Estate Planning: Preparing for the Inevitable
As pre-retirees navigate the complex journey toward retirement, one critical aspect that demands attention is estate planning. While often overshadowed by investment strategies and retirement savings, estate planning is a fundamental pillar of financial security. It's...
Strategies to Reduce Your IRMAA: A Comprehensive Guide
As a high-income beneficiary, you might be subject to a surcharge on your Medicare Part B premiums known as the Income-Related Monthly Adjustment Amount (IRMAA). This can be a significant additional cost, so it's essential to understand how it works and explore...
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