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Category: Retirement Income

  • Investing, Retirement Income, Retirement Planning

Is Cash Still King in Retirement?

For many Americans approaching or living in retirement, cash has become attractive again. After spending years earning little to nothing on savings accounts and money market funds, retirees suddenly found themselves able to earn yields exceeding 5% on many cash...
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  • Retirement Income, Retirement Planning

The Garden State Tax Trap: Why Long-Term Capital Gains Aren’t Always King

Long-term capital gains are more tax-efficient than ordinary income—right? We’ve all sat around the Thanksgiving dinner table and heard this from our finance-savvy cousin. For decades, investors have been conditioned to chase that preferential federal tax rate (0%, 15%, or...
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  • Retirement Income, Retirement Planning, Social Security

Social Security: The Good, the Bad, and the Ugly

Social Security is heading toward a financial crossroads—and under current projections, it is not sustainable as it stands. According to the latest Trustees Report from the Social Security Administration, the program’s trust funds are expected to be depleted around 2035,...
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  • Retirement, Retirement Income, Taxes and Tax Planning

From Sunshine to Snowfall: Why New Hampshire Might Be the New Florida for Retirees

New Hampshire, affectionately known as the “Granite State,” has quietly pulled off a sun-soaked Florida-level tax miracle, minus the palm trees and humidity. While Floridians boast about their endless white sandy beaches, New Hampshire counters with its own shimmering white...
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  • 401(k) Planning, Government, Retirement Income, Retirement Planning, Taxes and Tax Planning

The SECURE 2.0 Act’s Quiet Elimination of Pre-Tax 401(k) Catch-Up Contributions for Earners Over $150,000 

For many Americans approaching retirement, the 401(k) catch-up provision was one of the most practical and meaningful planning tools available. It was designed to help workers age 50 and older who, due to family obligations, housing costs, healthcare expenses, or...
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  • Lifestyle, Retirement Income, Retirement Planning

New Year, New Plan: Steps to Turn Your Retirement Resolutions into Reality 

The start of a new year is a natural time to reflect, reset, and recommit to goals that matter most, especially about your financial future. Many people resolve to save more or get serious about planning, but good intentions alone...
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  • Government, Retirement, Retirement Income, Retirement Planning, Taxes and Tax Planning

Pension Maximization for Federal Employees and Military Personnel

Veterans deserve the retirement they’ve been dreaming about. Our guide explores the resources available to maximize benefits and help ensure a smooth and well-supported transition into retirement....
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Pension Maximization for Federal Employees and Military Personnel
  • Retirement, Retirement Income, Retirement Planning

Retirement Benefits for Veterans: Maximizing Support for Those Who Served

Veterans deserve the retirement they’ve been dreaming about. Our guide explores the resources available to maximize benefits and help ensure a smooth and well-supported transition into retirement....
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Retirement Benefits for Veterans: Maximizing Support for Those Who Served
  • Retirement Income, Retirement Planning

The 4% Rule: Is It Still a Good Retirement Portfolio Withdrawal Rate?

The 4% rule has been used to set retirement withdrawal rates for the last three decades—but is it a smart guideline in today’s economy?...
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The 4% Rule: Is It Still a Good Retirement Portfolio Withdrawal Rate?
  • Financial Planning, Retirement Income, Retirement Planning

Making the Switch to Paying Yourself

You’ve probably had a daily routine for most of your life – from tying your tie and greeting your coworkers to loosening that tie when you get home. When thinking about retirement, not only does your daily routine change but...

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Making the Switch to Paying Yourself Millstone Financial Group
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