annuity
Build the Floor First
The Income Floor Effect
Phil Gaudiano, CPA
annuity
I've Seen Your Tax Return. Here's What Worries Me.
Every spring, I sit down with a stack of tax returns. My clients are mostly retirees or people within a few years of retirement. By now, I’ve reviewed enough 1099s and IRA statements to spot the patterns before I even get to the numbers. Most of my clients did
annuity
What Peace of Mind Is Actually Worth in Retirement
The hidden return nobody measures, and why it may be your most valuable asset
Newsletter
What Would Actually Have to Go Wrong?
Most retirement anxiety is not about a specific threat. It is about a cloud.
income
The Real Reason You Keep Putting Off Your Retirement Plan
*Before we begin, this week’s piece is shorter than usual due to the end of tax season and other demands. I wanted to ensure it was worth your time. People tell me retirement planning is hard because it is complicated. The tax rules are confusing. Social Security has more
income
Why Most People Wait Too Long to Think About Retirement Taxes
The hardest part about retirement taxes is that they usually become important long before they become visible.
annuity
Why a 20% Drop Feels Different After the Paychecks Stop
The market didn't change. Your relationship to it did.
annuity
The Most Dangerous Years of Retirement Are the Quiet Ones
Why the calmest stretch after you stop working often sets up the biggest pressure later
investment portfolio
We Have $2 Million. Why Are We Still Worried?
Why a large portfolio doesn't automatically create peace of mind, and why structure matters more than size
investment portfolio
Retirement Planning Isn't About Risk Tolerance. It's About Role Clarity.
A new client sits down for their first retirement planning meeting. Before discussing income needs, taxes, or what they actually want from retirement, the advisor hands them a questionnaire. It asks questions like: How would you react if your portfolio dropped 20%? Would you prefer stability or growth? What level
Newsletter
70% Safe, 100% Anxious
The difference between feeling safe and actually being secure
investment portfolio
How to Design Retirement for 30 Years, Not 5
The three-layer system that removes the need to depend on markets cooperating at exactly the right time