If your employer still offers a pension, you have something most American workers don’t — a guaranteed income floor in retirement. But understanding how a pension vs retirement account actually differs is what separates employees who maximize that benefit from those who leave money on the table. This guide covers every major retirement account type, […]
Pension vs Retirement Account: Key Differences (2026 Guide) Read More »
While we tend to emphasize accumulating retirement savings (for good reason), how you withdraw and spend that money in retirement is equally important. How much you withdraw, and from which accounts, can all impact how long your money may last. One lesser-known risk for retirement income—sequence risk—is particularly relevant when markets are volatile. So what
What is Sequence Risk? A Guide to Withdrawing Income in Retirement Read More »
It’s no secret that the cost of college is rising rapidly. In 2023, the average one-year cost for an in-state college student sits at $25,707. Average fees for out-of-state or private universities are even higher. The creeping college price tag means it’s never been more important to have a plan in place to pay for
The Bogart Wealth Guide to 529s Read More »
What is a Checkbook IRA? A Checkbook IRA, often referred to as a Self-Directed IRA with checkbook control, is an innovative retirement savings vehicle that enables the account holder to exercise direct control over their funds. It essentially operates like your personal checking account, but it’s backed by the assets in your Individual Retirement Account
Everything You Should Know About Opening a Checkbook IRA Account Read More »
Love them or hate them, required minimum distributions (RMDs) play a significant role in a retiree’s income and tax planning. Lately, their importance has increased: New laws in the past few years changed the rules. To help you understand why that matters, we’re diving into how RMDs work and why they matter to your overall
Your Guide to Required Minimum Distributions (RMDs) Read More »
Tax-free wealth planning starts with understanding what the tax code actually allows. Building tax-free wealth sounds like marketing language until you look at those rules closely. Real estate depreciation, Net Unrealized Appreciation on company stock, Roth conversions, Health Savings Accounts, and a handful of other strategies let high earners legally shrink lifetime tax bills by
Tax-Free Wealth Strategies for Retirement Planning Read More »
You can live off interest in retirement. The real question is whether you’ve saved enough to make it work – and whether your portfolio generates enough interest income to keep pace with what things actually cost. This guide covers what living off interest requires in 2026’s rate environment, how to calculate the nest egg you
How to Live Off Interest in Retirement: What You Actually Need in 2026 Read More »
Getting strategic about student loan repayment can be a vital part of financial planning. The majority of college graduates leave school with some type of student loan debt, so it’s important to have a strategy in place for paying down debt that complements the rest of the goals you and your family are working toward.
How to Repay Federal Student Loans Read More »
An estate plan is essential for anyone who owns assets because it specifies where your money and belongings go if you unexpectedly pass away or are incapacitated. Your family could end up in court if you don’t carefully plan for the distribution of your possessions, making it an important process for the sake of your
How Estate Planning Costs Are Determined Read More »
The IRS lets you use investment losses to cut your tax bill – but the rules for how, when, and how much are more specific than most investors realize. Capital losses can offset capital gains dollar-for-dollar, reduce ordinary income by up to $3,000 per year, and carry forward indefinitely. Get this tax deduction rules right
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