B.O.S.S. RETIREMENT
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Hidden Fees That Are Eating Away at Your Retirement Savings
Hidden Retirement Account Fees When you check your retirement account statements, you likely focus on the bottom line. How much have your investments grown? Are you on track to reach…
How to Avoid the Tax Avalanche in Retirement: Understanding Your IRA and 401(k) Tax Burden
Taxes in Retirement Do you know exactly how much of your retirement savings will actually end up in your pocket? Most people don’t. You probably have a good idea of…
How to Take the Risk Out of Retirement
Investment Risk in Retirement When it comes to retirement planning, most people focus on accumulating wealth. But as you approach those golden years, a critical shift needs to happen. It’s…
The Pension Problem: Your Company Pension May Not Be Secure
Company Pensions in Retirement Pensions were once the gold standard of retirement planning. Decades ago, most Americans worked for the same company their entire career and retired with a guaranteed…
The Retirement Red Zone: Protecting Your Nest Egg Five Years Before and After Retirement
Protecting Your Retirement Income If retirement is a football game, the “Retirement Red Zone” is your most critical playing time. This crucial decade—five years before and five years after you…
Why Social Security Alone Isn’t Enough For Retirement
Retirement planning can seem overwhelming. Many Americans believe Social Security will provide enough income for their golden years. Unfortunately, this assumption could lead to significant financial challenges later in life.…
Why Your Risk Tolerance Likely Doesn’t Match Your Current Portfolio Risk
Are you Taking Too Much Risk in Your Retirement Portfolio? You check your 401(k) statement and smile at the growing balance. Everything seems fine. But beneath the surface lurks a…
The Myth of Average Rate of Return in Retirement Planning
Why Your 401(k) Statement Might Be Giving You a False Sense of Security Have you been in a conversation and heard someone bragging about their investment returns? “My portfolio is…
The Impact of Inflation on Your Retirement Planning
Imagine saving diligently for decades, building what seems like a substantial nest egg, only to discover it buys far less than you anticipated in retirement. This scenario plays out for…
Retirement Planning
The Myth of Average Rate of Return in Retirement Planning
Why Your 401(k) Statement Might Be Giving You a False Sense of Security Have you been in a conversation and heard someone bragging about their investment returns? “My portfolio is…
The Impact of Inflation on Your Retirement Planning
Imagine saving diligently for decades, building what seems like a substantial nest egg, only to discover it buys far less than you anticipated in retirement. This scenario plays out for…
Planning For Retirement – The 5 Core Elements of Your Retirement Blueprint
Are you worried about your retirement plan? You’re not alone. According to recent statistics, 42% of Americans are at risk of running out of money in retirement, and this isn’t…
5 Critical RMD Mistakes That Could Decimate Your Retirement Savings
If you hate paying taxes now, just wait until you turn 73 when you’re likely to be on a fixed income. That’s when Required Minimum Distributions (RMDs) force you to…
Understanding the Three Tax Buckets in Your Retirement Planning
When you’re saving for retirement, where you put your money matters just as much as how much you save. Most people focus solely on the balance in their accounts, without…
The Golden Window: Tax Planning Between 59½ and 72
When it comes to retirement planning, timing is everything. There’s a critical period in your financial life that could make or break your retirement success. We call it “The Golden…
Managing Investment Risk in Retirement Planning
The Critical Role of Risk Management in Your Retirement When was the last time you updated your investments inside your IRA or 401k? If it’s been 5 or 10 years…
How Chasing “Hot” Investments Can Ruin Your Retirement
Don’t Let the Wall Street Casino Destroy Your Financial Security Have you ever heard about Bitcoin millionaires and felt the urge to jump in? Or maybe you’ve watched certain stocks…
How to Pay Tithing to a Church from Your Required Minimum Distributions (RMDs)
Making regular donations to your church or faith community is an important part of many peoples’ spiritual practice. For retirees who have saved in tax-deferred retirement accounts, there’s a strategic…
Taxes
Understanding the Three Tax Buckets in Your Retirement Planning
When you’re saving for retirement, where you put your money matters just as much as how much you save. Most people focus solely on the balance in their accounts, without…
The Tax Avalanche: How to Washington-Proof Your Retirement
Are you prepared for the avalanche of taxes that could bury your retirement dreams? Most people can easily recall how much they’ve saved for retirement. But when asked how much…
The Golden Window: Tax Planning Between 59½ and 72
When it comes to retirement planning, timing is everything. There’s a critical period in your financial life that could make or break your retirement success. We call it “The Golden…
8 Types of Retirement Income and Their Tax Implications: A Complete Guide
How to Reduce Your Taxes in Retirement Are you wondering how your retirement income will be taxed? You’re not alone. Most people know exactly how much they’ve saved for retirement,…
How to Washington-Proof Your Retirement Against Future Tax Increases
Protecting Your Retirement From Tax Increases You’ve worked hard to save for retirement. But with tax cuts set to expire and government spending at record levels, your retirement savings could…
How Trump’s Second Term Could Impact Your Retirement Plans
Your retirement planning shouldn’t depend on who sits in the White House. But presidential policies can significantly impact your retirement savings and income. With Donald Trump’s upcoming second term, it’s…
Your Retirement Accounts Could Be Costing You a Fortune
When it comes to saving for retirement, most Americans have followed conventional wisdom – contributing faithfully to their 401(k)s and IRAs to get those immediate tax deductions. But what seemed…
Taxes in Retirement: Hidden Costs That Could Ruin Your Retirement
Remember the shock of your first paycheck, when you discovered how much went to taxes? Unfortunately, that feeling doesn’t end in retirement. In fact, it could get worse. Most Americans…
Why Now Is the Critical Time for Roth Conversion Tax Savings
Roth IRA Conversion Timing A massive change is coming to retirement planning, and the clock is ticking. The Tax Cuts and Jobs Act of 2017 currently expires at the end…
Social Security
What Is Provisional Income and Why It Matters for Your Social Security Benefits
Provisional income is an important yet relatively unknown calculation that determines how much of your Social Security benefits might be subject to federal income tax. Understanding this concept is essential…
When to Claim Social Security: New Strategies for 2025 and Beyond
The old rules for claiming Social Security benefits are becoming outdated. What worked for your parents might not be the best strategy anymore, especially with the Social Security Trust Fund…
5 Critical Social Security Mistakes That Could Cost You $111,000 in Benefits
Would you be upset if you lost $111,000 in retirement? According to research featured in Forbes, that’s exactly what happens to 96% of Americans due to Social Security mistakes. Your…
How to Maximize Your Social Security Benefits: A Complete Guide for Retirees
How to Maximize Your Social Security Benefits Did you know that 96% of Americans leave an average of $111,000 in Social Security benefits on the table? That’s money that could…
Should You Delay Social Security Until Age 70? The Surprising Truth
Should you Wait Until Age 70 to Claim Social Security? For years, financial experts have promoted a seemingly simple strategy: delay claiming Social Security until age 70 to get the…
The Social Security Trust Fund’s Running Dry: What You Need to Do Before 2033
The Social Security Trust Fund is Running Out! The news about Social Security isn’t good. According to recent reports from the Social Security Administration’s Board of Trustees, the Social Security…
The Truth About Social Security’s Future: Will Benefits Really Disappear?
If you’ve been watching the news lately, the headlines about Social Security’s future probably have you worried. The Wall Street Journal warns that “Social Security funds are running dry.” CBS…
When Should You Claim Social Security Benefits: 8 Critical Things You Need to Know
When Should You Claim Social Security Benefits? You might think you know when is the best time for you to claim your Social Security benefits. Maybe you’ve heard that waiting…
Social Security Spousal Benefits: What You Need to Know
Did you know that billions in Social Security benefits go unclaimed every year? According to Forbes Magazine, as much as $10 billion in benefits go unclaimed annually, and a significant…
Retirement Income
Exploring Reverse Mortgages as a Retirement Income Solution
Retirement planning involves creating reliable income streams that will sustain your lifestyle throughout your golden years. While traditional savings, Social Security, and pensions form the foundation for many retirees, sometimes…
Building Multiple Income Streams for a Secure Retirement
Retirement planning goes far beyond simply accumulating a large nest egg. It’s about creating reliable income streams that will last as long as you do. Many Americans focus solely on…
How to Measure Your Retirement Portfolio Risk
Discover if You’re Taking Too Much Risk with Your Retirement Savings Do you know how much risk you’re actually taking with your retirement savings? Most people don’t. And that lack…
How Chasing “Hot” Investments Can Ruin Your Retirement
Don’t Let the Wall Street Casino Destroy Your Financial Security Have you ever heard about Bitcoin millionaires and felt the urge to jump in? Or maybe you’ve watched certain stocks…
Building Wealth: Financial Lessons from a Retirement Income Expert
Each of us makes decisions during our lives, both good and bad, that have huge consequences when we reach the age of retirement. In fact, most Americans could retire as…
How to Avoid Paying Taxes on Up to 85% of Your Social Security Benefits
Did you know that up to 85% of your Social Security benefits could be subject to income tax? This shocking fact catches many retirees off guard. After a lifetime of…
Understanding Fixed Indexed Annuities: A Safe Harbor for Retirement Income
With market volatility increasing and bank interest rates remaining disappointingly low, many retirees are searching for reliable ways to generate retirement income without excessive risk. Fixed indexed annuities are an…
Why Your “Magic Number for Retirement” Could Be Misleading
Have you ever wondered if you have enough saved for retirement? Maybe you’ve heard that you need $1 million, $3 million, or even $5 million to retire comfortably. Here’s a…
8 Types of Retirement Income and Their Tax Implications: A Complete Guide
How to Reduce Your Taxes in Retirement Are you wondering how your retirement income will be taxed? You’re not alone. Most people know exactly how much they’ve saved for retirement,…
IRA / 401(k)
The Myth of Average Rate of Return in Retirement Planning
Why Your 401(k) Statement Might Be Giving You a False Sense of Security Have you been in a conversation and heard someone bragging about their investment returns? “My portfolio is…
5 Critical RMD Mistakes That Could Decimate Your Retirement Savings
If you hate paying taxes now, just wait until you turn 73 when you’re likely to be on a fixed income. That’s when Required Minimum Distributions (RMDs) force you to…
Your Retirement Accounts Could Be Costing You a Fortune
When it comes to saving for retirement, most Americans have followed conventional wisdom – contributing faithfully to their 401(k)s and IRAs to get those immediate tax deductions. But what seemed…
5 Critical IRA and 401(k) Withdrawal Strategies to Maximize Your Retirement Income
Making contributions to your IRA and 401(k) is the easy part. But when it comes to withdrawing this money in retirement, one wrong move could cost you a small fortune…
How to Create a Reliable Retirement Income Plan: Beyond Your IRA/401(k)
Generating Income in Retirement When it comes to retirement, saving money is just the beginning. It’s what you do with those savings that really matters. You might be surprised to…
Retirement Risk
The Danger of High-Risk Investments Near Retirement
Have you ever wondered what would happen if you could undo your biggest financial mistakes? How much more money would you have in your retirement accounts today? This question reveals…
Navigating Market Volatility: Why Staying Invested Through Downturns Is Critical For Your Retirement
When the stock market takes a sudden dive, it’s natural to feel alarmed. Your hard-earned retirement savings seem to be evaporating before your eyes, triggering a powerful urge to pull…
Managing Investment Risk in Retirement Planning
The Critical Role of Risk Management in Your Retirement When was the last time you updated your investments inside your IRA or 401k? If it’s been 5 or 10 years…
How to Measure Your Retirement Portfolio Risk
Discover if You’re Taking Too Much Risk with Your Retirement Savings Do you know how much risk you’re actually taking with your retirement savings? Most people don’t. And that lack…
How Chasing “Hot” Investments Can Ruin Your Retirement
Don’t Let the Wall Street Casino Destroy Your Financial Security Have you ever heard about Bitcoin millionaires and felt the urge to jump in? Or maybe you’ve watched certain stocks…
Are You Taking Too Much Risk with Your Retirement Investments?
Understanding Risk in Your Retirement Portfolio Could Save You Hundreds of Thousands of Dollars Do you want a risky plan that might make you rich in retirement, or do you…
The High Cost of Missing RMD Deadlines
Failing to take your Required Minimum Distributions (RMDs) on time comes with some of the stiffest penalties in the tax code. The IRS considers this such a serious matter that…
How to Washington-Proof Your Retirement Against Future Tax Increases
Protecting Your Retirement From Tax Increases You’ve worked hard to save for retirement. But with tax cuts set to expire and government spending at record levels, your retirement savings could…
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