Taxes in Retirement-Retirement Milestone Ages

Kristina discusses the impact of taxes on retirement and steps to counteract that impact.  She explains how withdrawals from retirement accounts and pensions can be taxed.  She also talks about the calculation of provisional income and how that can make your Social Security subject to taxation.  Wh…

Not Your Parents’ Retirement

Kristina highlights mistakes to avoid in retirement planning including not factoring inflation and longevity, overestimating income, and not finding the balance of conservative and aggressive in investing.  She looks at life events when it is important to consult your financial professional.  Those…

Secure Act 2.0

Now that it has passed, Kristina reviews some of the key provisions of Secure Act 2.0 including the raising of the RMD age, additional catch-up opportunities, and expanded Roth contributions.  She looks at lessons that can be learned from 2022 and how to move forward towards retirement in a stronge…

Challenges Women Face in Retirement

Kristina discusses unique challenges women face in planning for retirement and much of this can be attributed to the longevity of women.  She also offers good retirement planning tips for 2023 and strategies to consider in making sure you have enough money in retirement. You can reach Kristina Pin…

Welcome to Retirement 2023

Kristina covers some solid planning tips to help you retire in a challenging economy in 2023.  Understanding sequence of returns and possibly delaying Social Security are part of the conversation.  What are some important questions you should be able to answer when considering your retirement and i…

The Financial Red Zone

Kristina covers strategies to implement when in the financial red zone which is five to ten years away from retirement.  These include looking at funding your 401(k) to the max, rethinking your 401(k) assignments, and looking at traditional and Roth IRAs.  She also addresses financial challenges he…

Retirement Considerations-Working in your 70s

Kristina reminds us that, even though you may choose to work in your seventies, there are still retirement planning considerations.  Among those are how it will work with your RMDs, Social Security claiming strategies, and how working could impact your tax situation. She also addresses the fear of …

Avoid the Retirement Saving Obstacles

Kristina stresses the need to make sure you stay on track with your retirement savings in the financial red zone and offers solutions to avoid the obstacles.  Those include inflation, stock market volatility, unexpected expenses, and debt.  She then offers detours around those roadblocks that could…

Reduce Your Retirement Taxes

Kristina covers the approach you should take regarding tax strategies in retirement.  This includes connecting taxing with outflow as well as income, spending down traditional IRAs, and the consideration of Roth conversions and contributions. She offers good spending habits to help stretch your ret…

Impact of Inflation-Review of Secure Act

What are good questions to ask your financial professional in times of economic turmoil?  Kristina covers some of these including long-term planning, diversification, and whether or not to change course.  She also warns of retirement mistakes to avoid and offers reminders of the changes to legacy p…