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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...
Securing Healthcare Coverage in Retirement: Expert Advice from SFA Wealth
As you embark on your retirement journey, there are crucial financial considerations to address, with healthcare coverage topping the list. In a recent GoBanking Rates article titled "First Year of Retirement: 7 Money Moves You Absolutely Must Make," insights from SFA...
Smart Holiday Planning: Insights from SFA Wealth Management’s Larry Roby
As we approach the holiday season, financial planning becomes crucial to ensure a stress-free and enjoyable celebration. Larry Roby, a seasoned financial professional from SFA Wealth Management, recently shared valuable insights on early holiday shopping and financial...
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