Articles & Resources

Susan’s new financial planner just gave her shocking news.  Because of her age, she has to start taking minimum distributions (i.e., withdrawals) from her traditional

Client: If I died with a $425,000 balance in my traditional IRA, that would be good, right?Advisor: Well…yes and no.Client: Okay, but what if I

I was recently listening to “The Great Retirement Debate,” a popular podcast co-hosted by Ed Slott, nationally recognized IRA expert, and Jeffrey Levine, Chief Planning Officer for

Amanda only recently started thinking about saving and investing. Her coworker Elaine has been saving money for years and is close to retirement. Both, however,

What are the worst retirement mistakes? Whether these five are “the worst” is certainly up for debate. (They’re not the only ways you can complicate

There’s a lot of chatter today about Roth conversions. If you’re like most people, you’ve got questions: As a financial planner at Christy Capital Management,

Mention retirement and most federal employees start wondering: All excellent questions! But there are four bigger, more pressing questions you should tackle first. They are:

Craig is confused. His brother is urging him to invest systematically:  “Just have $150 automatically deducted from each paycheck and put into your TSP. Over

Is it possible to have too much taxable money?  Most people today would hear that question and practically scream, “Absolutely NOT! You can NEVER have

Let’s tackle a topic that concerns many retirees:  How–if at all–are Social Security benefits taxed?  This issue sparks a lot of confusion, with some people

Nobody wants to stumble into retirement unprepared.  And at Christy Capital Management, we don’t want that for you. (That’s why our mission is to help

When I’m talking with people about their federal retirement, they often say to me, “I only have a year or two until I retire, and

“Smart!” “Brilliant!” “A no-brainer” “SO glad I did it!” These are the kinds of comments we routinely hear about Roth conversions. However, it’s easy to

Say the phrase “risk in retirement,” and most people will fixate about one thing and one thing only: stock market risk. That is the main

Over dinner friends of yours mention how they’ve recently started taking the money in their traditional IRA and moving or “converting” it into a Roth

Unexpected tax bills or increased tax rates are no fun–especially in retirement.  How can you reduce the taxes you’ll have to pay when you’re no

Can your behavior make a difference in the returns you get on your investments? And can unwise behavior actually sink your chance at a good

The Secure Act 2.0 is now law in the U.S.  This new legislation has features that many deem to be positive. But the rules pertaining

The question we’re tackling in this post and video is an important one. In fact, it was the most Googled question in 2020. It deals

The world of finance has a number of “four-letter words” that people consider dirty. Among them: But here we want to focus on another word—a

When people think about diversifying their investments, most think in categories like “stocks,” “bonds,” “real estate,” etc.   They don’t think about diversifying the tax status

When it comes to investing, everybody’s got a strong opinion, a great idea, or an urgent recommendation. Blue chip stocks. T-bills. Real estate. Cattle futures.

      As you’re planning for your retirement, you want to use whatever resources you have available to help you achieve your goals. That