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We're excited to announce that we crossed $2 billion of assets under management and 30+ financial advisors. "Managing $2 billion of client assets is a testament to our team’s dedication and the trust our clients place in us," said Christian Haigh, our co-founder and CEO. "Our rapid growth reflects our unwavering commitment to delivering top-notch financial planning and wealth management solutions to our diverse clientele. And it’s why we continue to attract exceptionally talented financial advisors." Learn more about our recent milestones ⤵︎

Your retirement income could drive a spike in your Medicare premiums. How? The income-related monthly adjusted amount (IRMAA) is a surcharge that gets tacked onto Part B and Part D Medicare premiums if your modified adjusted gross income (MAGI) exceeds a certain threshold. For example, in 2024, if your MAGI exceeds $103,000 (for single filers) or $206,000 (for married couples filing jointly), you'll pay up to $81 more per month for Part B coverage, on top of your standard premium. So how do you minimize your Medicare costs? Nail your distribution strategy. Roth conversions, charitable giving, and tax-loss harvesting can help keep your income below the IRMAA thresholds — and avoid income-based surcharges on your premiums. 👇 Learn more in The Manual 👇 https://lnkd.in/g3tKsYyB

Roth conversions could be the secret to future-proofing your wealth. How so? Having a diversified set of taxable, tax-deferred, and tax-free accounts gives you more flexibility to manage your tax liability in retirement. Leveraging Roth conversions — i.e., transferring funds from a traditional IRA or 401(k) into a Roth IRA, which offer tax-free growth and tax-free qualified withdrawals — is one way to significantly reduce your tax burden, allowing you to keep more of your hard-earned savings. Here are a few things to know: → Roth accounts grow tax-free, and qualified withdrawals are also tax-free, providing a powerful tool for managing your tax liability. → Roth conversions can help you minimize the amount in required minimum distributions (RMDs) that you’re required to pay annually after age 72 (or 73, for some). → Roth accounts can provide tax-free income to your beneficiaries, making them an ideal estate planning tool. → Strategic Roth conversions can help you stay below critical income thresholds that would otherwise lead to increased Medicare premiums. Learn more tips from Long Tran, CFP to ensure that your retirement distribution strategy is optimized for tax efficiency: https://lnkd.in/g3tKsYyB

If someone told you that you could make more money in retirement without lifting a finger, you’d jump at the opportunity. How can you do this? A tax-efficient distribution strategy minimizes your tax burden while maximizing your income — ensuring that more of your hard-earned savings end up in your pocket. Here are a few things to keep in mind when determining your withdrawals:

Did you know that 85% of your Social Security benefits could be taxable? Don't let taxes eat away at your hard-earned savings. For example, you might know that you have to take RMDs from your traditional IRAs and 401(k)s, but you might not know that RMDs can push you into a higher tax bracket. Here's how to create a tax-efficient distribution strategy that maximizes your after-tax income:. 1. Tax diversification across different account types 2. Strategic Roth conversions to manage future tax liability 3. Careful planning around RMDs and Social Security benefits 4. Leveraging state-specific tax breaks and deductions Read more in our comprehensive guide: https://lnkd.in/g3tKsYyB

“Life begins at retirement.” The sentiment is true — if you retire the right way. You’ve spent decades building your wealth, navigating the ups and downs of a long career and complex markets. Now you’re entering a new phase — one with its own set of challenges: learning to spend after a lifetime of saving, minimizing taxes on your retirement income, and managing healthcare costs. The decisions you have to make in retirement aren’t just financial, but deeply personal. They impact your quality of life and the legacy you’ll someday leave behind. Over the next few weeks, we'll cover everything you need to know about mastering your finances in retirement, from embracing a spender's mindset and navigating early retirement healthcare to optimizing your tax strategy and estate planning. You can find our comprehensive guide for retirees on the Manual: https://lnkd.in/gPM6YS5q

It's not about running out of money in retirement It's about the fear of the unknown Sound familiar? For retirees, the 'saver's mentality' that built your retirement savings is now your worst enemy Here’s how to shift from saver to spender when you hit retirement: → Set clear spending goals: Identify what matters to you and allocate funds there → Add 'fun money' for spontaneity: Budget for the unplanned → Start small, then splurge guilt-free → Celebrate your spending as a reflection of your success → Understand the numbers: Determine a safe withdrawal rate for a sustainable cash flow → Create a flexible spending plan: Adapt as needed based on the market and personal circumstances Learn how Rachel Buffalo, CFP® helps her clients make this transition in retirement on The Manual: https://lnkd.in/eddqcbHF

How to turn your savings into a steady stream of income that lasts a lifetime. → Create an inventory of all your income sources, including Social Security, pensions, rental income, investment portfolio withdrawals, and any other regular income streams. → Establish a sustainable withdrawal rate, calculated based on your financial situation, expected longevity, market conditions, and inflation projections.   → Divide your income into different “buckets” based on when you’ll need the funds.   → Stress test your plan against various scenarios, like market downturns, high inflation, or unexpected major expenses.

Retirement is not just about the money — it's about living your best life A truly satisfying retirement goes beyond financial security It's about using your resources — time, skills, and wealth — in ways that bring purpose and joy Here are some questions to consider as you enter retirement: → What have you always wanted to do, see, or learn? → How can you make a difference in your community or the world? → What legacy do you want to leave for future generations? Learn more here: https://lnkd.in/eddqcbHF

The habits that built your wealth can become obstacles to enjoying it. You’ve saved diligently for years, but now comes the tricky part: Learning to spend in retirement. Many retirees find themselves stuck in ‘saving mode,’ struggling to enjoy the wealth they’ve built. Here’s why embracing a “spender’s mindset” is crucial: → Your savings are meant to be enjoyed: Think of your nest egg as a tool, not just a safety net. → Spend with purpose: Figure out what truly matters to you in retirement and align your spending with these priorities → Find your ‘happy medium’: Consider working with an advisor to determine how much you can safely spend each year → Start small: Treat yourself to little luxuries without guilt, and track how your spending impacts your happiness. In this video, Rachel Buffalo, CFP® talks about how to embrace the spender’s mindset in retirement.