Financial Planning

If you’ve changed jobs or recently retired, that old 401(k) could be holding more opportunities and risks than you realize. For high-income earners, knowing what to do with an old plan isn’t just about consolidation. It’s about taxes, flexibility, and strategy. This article breaks down your options, the hidden pitfalls of rollovers, and how to make smart moves that preserve your ability to use Roth strategies and avoid unnecessary taxes.

Retiring before 59½? Learn how to access your retirement savings without paying the 10% IRS penalty. This guide explains key strategies like the Rule of 55 for 401(k)s, Rule 72(t) SEPP withdrawals, and using Roth IRA contributions for flexibility. Discover how to bridge the gap to 59½, manage taxes, and create a smart withdrawal plan so you can retire early, avoid penalties, and enjoy the freedom you’ve worked hard for.

Concerns about bear markets have resurfaced recently, both in the headlines and in conversations I’m having with clients. Here’s a breakdown of some common questions and what you should know to navigate market uncertainty confidently.

Uncertainty is part of investing. Here are some strategies to help navigate a potential "Lost Decade"

Market volatility can be unsettling, but it presents unique financial planning opportunities for high-income earners and retirees.