Posts in Retirement
At or Near Retirement? Time to Say Bucket!
At or Near Retirement? Time to Say Bucket!

Retirees view risks differently, but the greatest risk is behavioral. Let’s discuss a sustainable and tax-efficient approach to retirement distribution strategies.

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Your $ Your Independence, Work Benefits, Retirement Planning, Tax Planning, Retirement, Investing, Debt Management, BudgetingGlenn BrownBudget, Work Benefits, Best Practice, CDs, CFP, Dividends, Dividend Growth, Debt Management, Entitlements, family, Focus on your why, Financial Planning, Goals, Healthcare, Health, HELOC, IRAs, IRS, Income Streams, Investing, Inflation, Investment Management, IRA Withdrawals, Joy, 401(k), Solo K, Local Town Pages, Life Insurance, Medicare, Markets, Net Worth, Roth IRA, Portfolios, Pro-rata rule, Access to Equity, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Real Estate, Rebalancing, Savings, Traditional IRA, Total Return, Tax Planning, diversification, Savings Prioritization, distribution phase, distribution strategies, tax efficiency, taxes, Experience Spending, Tax-Loss Harvesting, Taxes, Index, Your Money Your Independence, Yields, Asset Allocation
Frugal February… A Different Take, One That’s Sustainable.
Frugal February… A Different Take, One That’s Sustainable.

Many use Frugal February as a month to not spend. While noble, how sustainable is this for improved outcomes Instead, let’s discuss actions that provide yearlong benefits plus a better time to start. 

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Budgeting, College Planning, Debt Management, Insurance, Investing, Retirement, Retirement Planning, Small Business, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownFrugal February, Budget, Savings, Savings Prioritization, Spending, Experience Spending, Planning for Unexpected, Tax Deadlines, taxes, Tax Planning, Tax-Loss Harvesting, Taxes, Home Equity Line of Credit, Credit, Access to Equity, Focus on your why, Retirement, F.I.R.E., Insurance, Auto Insurance, Homeowners Insurance, Credit Cards, Automatic Payments, Subscriptions, Purge, Storage, Feng Shui, Best Practice
If You Fail To Plan, You Are Planning To Fail.
If You Fail To Plan, You Are Planning To Fail.

Starting the New Year with the same old resolutions? Let’s recognize questionable resolutions, including three destined for failure, plus what should be considered for successful planning outcomes. 

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Debt Management, Budgeting, Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownFinancial Independence, New Year, Resolutions, Planning for Unexpected, Estate Planning, Tax Planning, Retirement, Financial Planning, College planning, Savings, Savings Prioritization, Investing, Debt Management, Student Loans, Student Debt, HELOC, Semi-Retirement, Access to Equity, Best Practice, Budget, Income Streams, Work Benefits, n, Real Estate, Spending
Peak Earnings Years Are Your 50’s - Your Parents Maybe, You… Not So Much.
Peak Earnings Years Are Your 50’s - Your Parents Maybe, You… Not So Much.

Top 10% earners in their 30’s and 40’s believe they’ll earn considerably more in their 50’s. Don’t plan on it.

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Budgeting, Investing, Retirement, Retirement Planning, Your $ Your IndependenceGlenn BrownAgeism, Earnings, Income Streams, Employee Benefits, Priorities, Savings, Budget, Savings Prioritization, 401(k), HSA, 529 Plan, IRAs, Roth IRA, Experience Spending, Best Practice, Debt Management, Cash Flows, Focus on your why, Financial Planning, Goals, Investing, Work Benefits, Tax Planning, Your Money Your Independence
Dividend Investing - Navigating Hype and Pitfalls To Get Results.
Dividend Investing - Navigating Hype and Pitfalls To Get Results.

Last month, Intel added another chapter to the fallacy of “I don’t care about the stock price, as long as I get my dividend”. Here, I discuss key factors and best practices for dividend investing.


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Economics 101, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownRebalancing, RMD, Dividends, Dividend Growth, Yield On Cost, Yield Curve, Bonds, dividend aristocrats, Total Return, diversification, high yield stocks, Best Practice, Cash Flows, Local Town Pages, Goals, Capital Gains, Income Streams
Secure Act 2: Electric Boogaloo?
Secure Act 2: Electric Boogaloo?

Sequels aren’t always a good thing, yet Congress has brought Secure Act 2 - reviewing the good, bad, and breakin’ star.

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Your $ Your Independence, Work Benefits, Tax Planning, Retirement Planning, Retirement, Investing, Debt ManagementGlenn BrownSECURE Act, Savings, Spending, RMD, Retirement, Roth IRA, Roth Conversion, IRA Withdrawals, Stretch IRA, Traditional IRA, SEP-IRA, Catch-up, 529 Plan, 401(k), Solo K, Age 73, 10-Year Rule, College, children, Entitlements, IRAs, Investing, IRA Contributions, 401k Match
New Year, New You… Not True?
New Year, New You… Not True?

Resolutions to improve your financial situation similar to one’s made last year? Here’s how and why to consider actions and timeframes, instead of focusing on desired outcomes.


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Budgeting, Debt Management, Investing, Retirement, Retirement Planning, Tax Planning, Work BenefitsGlenn BrownBudget, Best Practice, Debt Management, Rebalancing, Employee Benefits, Economy, Financial Planning, Focus on your why, family, Semi-Retirement, Retirement, Roth IRA, Student Debt, Goals, Joy, Resolutions, 401(k), Work Benefits, Markets, Local Town Pages, Investing, Portfolios, Priorities, Spending, Savings, Tax Planning, Traditional IRA, Total Return, Your Money Your Independence, Your Money, Year-End, New Year
Perfection is the Enemy of Good, Focus on Executing Improvements.
Perfection is the Enemy of Good, Focus on Executing Improvements.

While 2022 has been a challenging investment environment, it has been a fantastic year to see the benefits of executing financial plans over the past few years. 

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Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your Independence, Small BusinessGlenn BrownAsset Allocation, Best Practice, Rebalancing, Debt Management, Cash Flows, Capital Gains, Contribution Limits, Employee Benefits, Economy, Entitlements, IRA Contributions, Investing, 401(k), Work Benefits, Local Town Pages, Inflation, Open Enrollment, Pro-rata rule, Priorities, Portfolios, Required Minimum Distributions, Savings, Tax Planning, Traditional IRA, 403(b), 457, Spending, tax planning, Investment Management, Wash Sale, Tax-Loss Harvesting, Tax Deadlines, taxes, Roth IRA, Roth Conversion, Taxes, Your Money Your Independence, Year-End
When Markets Give You Lemons, Make Roth Conversion
When Markets Give You Lemons, Make Roth Conversion

A year-end strategy to consider for turning lemons into lemonade is Roth Conversion.

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Investing, Retirement, Retirement Planning, Your $ Your IndependenceGlenn BrownRoth Conversion, Roth IRA, taxes, Tax Planning, tax planning, IRAs, IRA Withdrawals, Traditional IRA, Required Minimum Distributions, Economy, Financial Planning, Investing, Investment Management, Markets, Local Town Pages, RMD, Tax Deadlines, Taxes, Your Money Your Independence, Recharacterization
April Brings Spring, Baseball and Taxe… Squirrel!
April Brings Spring, Baseball and Taxe… Squirrel!

If your wealth is tax-deferred retirement accounts, your taxes in retirement will be more than you realize.

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Budgeting, Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownBest Practice, Employee Benefits, Financial Planning, Goals, 401(k), Roth IRA, Roth Conversion, IRA Contributions, Traditional IRA, IRAs, RMD, 403(b), taxes, Tax Planning, Tax-Loss Harvesting, Retirement, Required Minimum Distributions, Investing, Taxes, Tax Deadlines, Social Security, Income Streams, Markets, Work Benefits, Local Town Pages, Savings, Your Money Your Independence
Yes, Backdoor Roth and Roth Conversions Are Still Open to All.
Yes, Backdoor Roth and Roth Conversions Are Still Open to All.

The news of Congress limiting Roth IRA conversions and eliminating Backdoor Roth? Never mind (for now).

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Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownBeneficiaries, Financial Planning, Goals, IRAs, IRA Contributions, Investing, IRA Withdrawals, 401(k), Multi-Generational Planning, inheritance, Roth IRA, Pro-rata rule, Priorities, Required Minimum Distributions, RMD, Savings, Traditional IRA, Tax Planning, Your Money Your Independence, taxes, Taxes, Roth Conversion, Year-End, Recharacterization
Resolutions Gone Bad: Rein In Your New Year.
Resolutions Gone Bad: Rein In Your New Year.

How to make financial resolutions that lead to successful planning outcomes.

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Debt Management, College Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Retirement, BudgetingGlenn BrownAsset Allocation, Sandwichers, taxes, Budget, Best Practice, Rebalancing, Debt Management, children, Children, Cash, Cash Flows, Dividend Growth, family, Focus on your why, Financial Planning, Fee-Only Fiduciary, Financial Independence, Goals, IRA Contributions, Income Streams, Investing, Investment Management, Joy, Kids, Markets, 401(k), Work Benefits, Local Town Pages, Priorities, Portfolios, Pension, Savings, Spending, Tax Planning, Total Return, tax planning, Your Money Your Independence, HELOC, Mortgage, Home Equity Line of Credit, Retirement, Resolutions, Experience Spending, Taxes, Year-End, Your Money
Inflation: Increase assets, borrow, and lock in debits.
Inflation: Increase assets, borrow, and lock in debits.

Action items based upon the old adage “Inflation rewards debtors and hurts creditors”.

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Budgeting, Debt Management, Economics 101, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bond Portfolios, Rebalancing, Bonds, Best Practice, Debt Management, Dividend Growth, Dividends, Economy, ETF, Financial Planning, Fed, HELOC, Interest Rates, Income Streams, Inflation, Investment Management, Investing, Markets, high yield stocks, Local Town Pages, Mortgage, House, ROI, Portfolios, Priorities, Home Equity Line of Credit, Refinancing, Retirement, Savings, Tax Planning, Total Return, Your Money, Your Money Your Independence, taxes, Tax Deadlines, Taxes, Tax-Loss Harvesting, Year-End, Yields, Entitlements, Social Security, Cash, CDs, TIPs, Treasury Inflation Protection Securities, REITs, Rent, Home Ownership
Tax Loss Harvesting: Give Thanks And Slice Your Pie
Tax Loss Harvesting: Give Thanks And Slice Your Pie

Losing investments can offset realized profits as well as up to $3,000 in non-investment income each year.

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Investing, Retirement, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bonds, Bond Portfolios, Best Practice, Rebalancing, Capital Gains, Investing, Investment Management, Local Town Pages, Markets, Interest Rates, Portfolios, Savings, Tax Planning, Your Money, Your Money Your Independence, Dividends, Wash Sale, taxes, Tax Deadlines, Tax-Loss Harvesting, Taxes, Year-End
Your Teen Working This Summer? Fund Their Roth IRA.
Your Teen Working This Summer? Fund Their Roth IRA.

Roth IRA for Kids can save for retirement, qualified educational expenses and introduce personal investing.

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College Planning, Investing, Retirement Planning, Retirement, Tax Planning, Your $ Your IndependenceGlenn BrownSandwichers, Beneficiaries, children, College, Contribution Limits, Children, College Planning, Financial Planning, Financial Aid, FAFSA, EFC, family, Financial Independence, Education, grandchildren, Gifting, IRAs, Investing, Raising Kids, Kids, Local Town Pages, Multi-Generational Planning, Minors, Roth IRA, Goals, Priorities, Retirement, Traditional IRA, Teenager, Savings, Tax Planning, Your Money Your Independence, Expected Family Contribution, taxes, IRA Contributions, Taxes, tax planning
Revisiting - Dividends: Evolve Beyond Yield
Revisiting - Dividends: Evolve Beyond Yield

Revisiting the conundrum for income investors in today’s low-interest rate environment.

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Your $ Your Independence, Retirement Planning, Retirement, InvestingGlenn BrownAsset Allocation, Sandwichers, Best Practice, Rebalancing, Capital Gains, Cash Flows, Dividend Growth, Dividends, Financial Planning, Fed, Fee-Only Fiduciary, Goals, IRAs, Interest Rates, Income Streams, Investing, Investment Management, Yields, Markets, Local Town Pages, Bonds, Portfolios, Required Minimum Distributions, Retirement, Savings, Tax Planning, Total Return, Your Money, Yield Curve, Yield On Cost, Inflation, high yield stocks
2020 - The Worst Year Ever… Really?
2020 - The Worst Year Ever… Really?

Turn down the hyperbole, 2020 offered great opportunities to refinance, save, invest, WFH, and focus on your why.

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Your $ Your Independence, Retirement Planning, Retirement, Debt Management, Estate Planning, Insurance, Budgeting, Tax Planning, Small Business, InvestingGlenn BrownAging Parents, Asset Allocation, Sandwichers, Tax Planning, Savings, Trusts, Tax Deadlines, taxes, Technology, Best Practice, Budget, Rebalancing, Debt Management, Cash Flows, Estate Planning, Employee Benefits, Economy, family, Financial Planning, Focus on your why, Goals, Health, House, Interest Rates, Investing, Investment Management, Will, 401(k), Raising Kids, Kids, Experience Spending, Life Insurance, Local Town Pages, College Refunds, Mortgage, Markets, Roth IRA, Priorities, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Retirement, Roth Conversion, IRAs, Student Debt, Student Loans, CARES Act, children, Caring for aging parents, Traditional IRA, Total Return, Taxes, Your Money Your Independence
Closing Time for 2020
Closing Time for 2020

There are investing, tax planning, and retirement planning opportunities to be had before year-end.

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Budgeting, Investing, Tax Planning, Your $ Your Independence, Retirement Planning, RetirementGlenn BrownSECURE Act, Asset Allocation, Tax Planning, Sandwichers, Aging Parents, Payroll, 401(k), 457, 403(b), FSA, Budget, Rebalancing, Best Practice, Financial Planning, Gifting, Health Care, HSA, IRAs, Investing, Investment Management, IRA Withdrawals, Roth Conversion, Roth IRA, Local Town Pages, Portfolios, Required Minimum Distributions, RMD, Wash Sale, taxes, Tax-Loss Harvesting, Tax Deadlines, Taxes, Your Money Your Independence, Year-End
Why worry or fight? Have the money talks without the walk.
Why worry or fight? Have the money talks without the walk.

How to have open discussions about finances for a healthy relationship.

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Budgeting, Debt Management, Insurance, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownSandwichers, Budget, Best Practice, Debt Management, children, Cash Flows, Financial Planning, Financial Independence, family, Focus on your why, Goals, Health, Joy, Raising Kids, Priorities, Retirement, Savings, Spending, Your Money Your Independence, Local Town Pages