As a strategic partner who helps clients navigate and grow in changing circumstances, Tina is responsible for the direct management of the Citizens Wealth Management financial planning and estate planning team, including a team of CERTIFIED FINANCIAL PLANNERS™, estate and tax planners, and trust officers. Most people look forward to their retirement, dreaming of a … Read more
Some people daydream about retirement when they’re having a really stressful day at work. You’re not the only one! When to retire isn’t just about having enough money; it’s also about getting the most out of your health and longevity. After all, what’s the point of retiring if you can’t enjoy it? As a blogger … Read more
It’s the retirement savings conundrum: choosing which account type youll use to save for your future. If you’re weighing whether to pick an IRA vs. a 401(k), you have 2 strong choices. (But spoiler alert: The answer may be both!). Here’s what you need to know about the similarities and differences between 401(k)s and IRAs—plus … Read more
Retirement can evoke s of a relaxing, debt-free life with no monthly mortgage payment, assuming you have already paid it off. However, some financial planners suggest retirees continue to carry a mortgage into and throughout retirement. Reinvesting the proceeds from your home equity to generate a stream of income might make your golden years more … Read more
If you quit your job and you have accumulated a substantial 401(k) balance, you may be worried about losing your 401(k) money. Find out when your employer can take your 401(k). 3 min read. Many people wonder what will happen to their 401(k) money if they quit their job and have a lot of money … Read more
Are you considering moving your Local Government Pension Scheme (LGPS) benefits to a private pension plan? This decision isn’t straightforward and deserves careful consideration. I’ve compiled everything you need to know about transferring your LGPS pension to help you make an informed choice. Understanding Your LGPS Transfer Options The LGPS is a defined benefit pension … Read more
Most of us think of a certain time in our lives when we hear the phrase “retirement age.” More precisely, we think of what’s become the “standard” retirement age, which is 65-years-old. However, it has become increasingly rare that every senior hitting the age of 65 decides to retire then. Some older adults choose to … Read more
Are you considering an annuity for your retirement planning? While these insurance products are often marketed as the perfect solution for guaranteed income in retirement, there’s a lot more to the story. As someone who’s spent years helping folks navigate retirement options, I’ve seen too many people jump into annuities without understanding the significant drawbacks … Read more
Let’s face it: getting into your 40s costs a lot of money. You’re probably making the most money you can right now, but you have a lot of responsibilities and can see retirement coming up far in the future. I’ve been helping people get through this tough decade for years, and now I’m going to … Read more
Have you ever worried about losing your hard-earned pension to creditors? You’re not alone. As retirement approaches, many folks start to wonder if their nest egg is truly secure. Let’s dive into this important topic and clear up some confusion. The Basic Protection: ERISA as Your Shield Good news! Your pension benefits are generally protected … Read more