The Retirement Money Experts

Wishing a Happy Hanukkah to all those who celebrate! May your nights be bright with love, laughter, and cherished traditions.🕎✨

Merry Christmas to those who celebrate!🎄 May this special day bring you peace, joy, and faith. Wishing you all a holiday filled with love, surrounded by family and friends.

Big changes are coming to Social Security in 2025: https://bit.ly/4hyiW58 Benefits will rise by 2.5%, offering some relief for retirees. The taxable maximum will increase, and the earnings test exemption will rise, allowing for higher earnings without losing benefits. Plus, the maximum benefit at full retirement age will see a significant boost. Let’s talk about how these updates can impact your retirement plan!

As you approach retirement this year, consider how to transition smoothly, especially if savings are tight: https://yhoo.it/4hrCKXF Review your expenses, assess housing options, and maximize retirement contributions. If you’re still working, think about extending your career or going part-time to maintain income. It’s a great time to reassess your strategy! Let’s discuss your plans and explore how we can help make your retirement goals a reality.

Today is Universal Health Coverage Day!🌎🩺 As you build your financial plan, having the right health insurance is a key consideration. We’re here to help you understand how your coverage can support your retirement goals. Let’s talk about how it all fits together—call us today!

As the year ends, it’s the perfect time to connect with your financial advisor! With December 31 marking the end of the tax year, consider these five questions to guide your conversation: https://yhoo.it/4f8D4Jp Are there opportunities to accelerate or defer income? Can I minimize my capital gains tax liability for the year? Have I maxed out my tax-advantaged accounts this year? How can I prepare for upcoming life events? What should we have done differently this year? Make sure to explore all your options before the new year! Schedule a time to meet and discuss your financial plan.

Feeling financial anxiety as the holiday season approaches? With travel and gift expenses tempting your budget, stay mindful with these four finance tips: Identify Your Triggers: Understand what leads to unhealthy spending. Have a Plan: Create a spending and saving plan for peace of mind. Keep Track: Set monthly goals and celebrate your progress! Address Missteps: Don’t dwell on mistakes; focus on moving forward. For personalized guidance and help with your financial plan, especially with holiday spending in mind, give us a call!🎁

🚨 Reminder: Medicare Open Enrollment ends soon on December 7th! 🚨 Don’t miss your chance to explore your options and make sure you’re enrolled in the best plan for your needs. If you have questions, give us a call!

Happy Thanksgiving!🍁🦃 We give thanks for all of you and your unwavering support! May your day be filled with laughter, delicious food, and cherished memories.🤎

Are you among the many Americans reconsidering your retirement plans due to rising costs? You're not alone! A recent survey shows that over 80% of people are contemplating delaying retirement for financial reasons, and nearly two-thirds find the idea of retiring more frightening than death or divorce. Don’t let fear dictate your future—call us today to discuss your retirement plan and explore options that can help you feel secure for the years ahead!