Perspectives from our advisors on markets, taxes, and building a retirement that lasts.
The conventional wisdom says to wait as long as possible to claim Social Security. For some households, that is exactly right. For others, it could leave money on the table or create unnecessary risk. Here is how to think through the decision.
Read full article: Social Security TimingMost retirees are surprised to learn that Medicare premiums are income-tested — and that a single year of high income can raise what you pay for two years. Understanding IRMAA before it hits is far better than managing it after.
Read full article: What Is IRMAAFor many high-income retirees, the years between leaving work and age 73 represent a narrow but significant tax window. Understanding it — and acting on it deliberately — can make a meaningful difference in lifetime tax and estate outcomes.
Read full article: The Roth Conversion WindowThe pension election is one of the most consequential financial decisions an ExxonMobil retiree will make — and many other financial decisions, it cannot be undone. Here is what to think through before you sign.
Read full article: ExxonMobil Pension Election: Lump Sum vs. AnnuityThe retirement decision is bigger than a number in an account. These five questions surface the ones that actually matter.
Read full article: Five Questions to Ask Before You Retire