Navigating the Retirement Terrain: Optimal Withdrawal Strategies for Decumulating Clients

Navigating the Retirement Terrain: Optimal Withdrawal Strategies for Decumulating Clients

As you transition from your working years into retirement, your financial focus shifts from accumulation to decumulation – the process of drawing down your retirement savings to cover living expenses. For us, guiding clients through this phase requires a delicate balance of maximizing income while ensuring longevity of assets. This pivotal stage demands careful planning […]

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Navigating the Retirement Terrain: Optimal Withdrawal Strategies for Decumulating Clients
Invest or Speculate: Know the Difference

Invest or Speculate: Know the Difference

Investing and speculating are two distinct approaches to engaging in financial markets.  They are differentiated primarily by their objectives, time horizons, and risk profiles.  Investing is the process of allocating capital to assets such as stocks and bonds with the expectation of generating returns over the long term.  This approach typically involves thorough analysis, diversification, […]

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Invest or Speculate: Know the Difference
Long-Term Care Insurance: Is It Worth Paying For?

Long-Term Care Insurance: Is It Worth Paying For?

When my father passed away, I purchased a long-term care (LTC) insurance policy for my mother, then age 74.  After being a snowbird for many years going back and forth between Pennsylvania and Florida, she permanently relocated to Florida at age 87. Not for long. Many of her friends died, and mom was too lonely. […]

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Long-Term Care Insurance: Is It Worth Paying For?
Safeguarding Your Nest Egg: Retirement Planning Considerations for Managing Catastrophic Risks

Safeguarding Your Nest Egg: Retirement Planning Considerations for Managing Catastrophic Risks

Planning for retirement is a journey that requires careful consideration of various factors, including investment strategies, income sources, and lifestyle preferences. However, one aspect that is often overlooked is the importance of managing catastrophic risks to your nest egg. From unexpected health crises to market downturns, there are numerous potential threats that could derail your […]

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Safeguarding Your Nest Egg: Retirement Planning Considerations for Managing Catastrophic Risks
Navigating Divorce: Financial Dos and Don’ts for a New Beginning

Navigating Divorce: Financial Dos and Don’ts for a New Beginning

Divorce is a life-altering event that brings about significant changes, not only emotionally but also financially. As you embark on this new chapter of your life, it’s crucial to approach your finances with care and consideration. In this blog post, we’ll explore essential financial do’s and don’ts to help you navigate the complexities of divorce […]

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Navigating Divorce: Financial Dos and Don’ts for a New Beginning
The Importance of Maintenance for a Revocable Living Trust

The Importance of Maintenance for a Revocable Living Trust

In the realm of estate planning, individuals are often presented with a myriad of options to ensure their assets are managed and distributed according to their wishes. One such tool that has gained significant popularity in recent years is the revocable living trust. What is a Revocable Living Trust? A revocable living trust, also known […]

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The Importance of Maintenance for a Revocable Living Trust
Don’t Be Biased

Don’t Be Biased

Daniel Kahneman, a Nobel Prize-winning psychologist, passed away in March at the age of 90.  Many investors may not be familiar with him, but he has had a profound impact on the field of behavioral finance through his pioneering research on human decision-making and cognitive biases. Kahneman, along with his collaborator Amos Tversky, introduced groundbreaking […]

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Don’t Be Biased
Navigating Loss: Financial First Steps for Surviving Spouses

Navigating Loss: Financial First Steps for Surviving Spouses

Losing a spouse or partner is undoubtedly one of the most challenging experiences a person can face. Amidst the waves of emotion and grief, navigating the practical aspects of life, particularly finances, can feel overwhelming. The financial implications of losing a partner can be profound and require careful attention during such an emotionally vulnerable time. […]

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Navigating Loss: Financial First Steps for Surviving Spouses
RTD Financial Named to List of Nation’s Top DC Advisor Teams

RTD Financial Named to List of Nation’s Top DC Advisor Teams

ARLINGTON, Va.— RTD Financial has been named to the National Association of Plan Advisors’ (NAPA) list of the nation’s top defined contribution (DC) Advisor Teams with assets under advisement of at least $100 million. Unlike other lists, this focuses on individual firms, or what may, in a wirehouse environment, be referred to as a team, […]

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RTD Financial Named to List of Nation’s Top DC Advisor Teams
The Social Media Influence: How to Mitigate Social Media from Derailing Financial Goals

The Social Media Influence: How to Mitigate Social Media from Derailing Financial Goals

Social media has a major influence on our lives, it is a source for communication, connection, and even how we make financial decisions when purchasing products. The rise of influencers on these platforms promoting products and posting their lavish lifestyle can have a significant impact on our own financial decisions. It is important as we […]

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The Social Media Influence: How to Mitigate Social Media from Derailing Financial Goals