Freedom To Retire

With the new year fast approaching, what should we expect from the markets in 2023- more of the same, or a light at the end of the tunnel?  Jim Cipriotti offers his insight, and how to prepare accord…

Market gains are obviously great, but without proper planning, those gains could be diminished in the form of taxes.  Jim Cipriotti discusses how to keep more of your money working for you (and less …

We all like to see big returns in our market balances and, yes, that can impact the overall quality of our retirement, but it's only a part of the equation.  Jim Cipriotti talks about the importance …

Truthfully: there isn't one number that guarantees success in retirement.  But a proper strategy specific to you can go a long way top making sure the numbers you have work in your favor.  Jim Ciprio…

That's how the saying goes. And while we all wish we could, none of us can control the markets. What we can control is how our retirement accounts respond to market volatility… beyond just “hanging i…

Next year, retirees will see the largest Social Security COLA, or Cost of Live Adjustment in four decades.  And while that's certainly not a bad thing, the increase doesn't exactly keep up with the a…

As the year winds down and the holidays get ready to start, don’t forget about that one family who’s always expecting a gift: Uncle Sam.  Jim Cipriotti discusses year-end tax moves that you should lo…

There is a difference between average returns and actual returns, and planning your retirement on the former could lead to some problems down the line.  Jim Cipriotti explains the difference and how …

More than ever, people are desperate for information on how to keep their retirement on track.  But how many of them are actually seeking out financial advisors for that information?  Jim Cipriotti t…

It's important to have emotional detachment when it comes to your financial plan- not just remaining calm through market turmoil, but avoiding falling in love with any particular stock or strategy.  …

Saving for retirement is obviously a large part of the strategy.  Making that money last is just as important, and Jim Cipriotti discusses the peril of compound losses and the value in guaranteed inc…

Knowing when to make changes to your retirement plan is a sort of Goldilocks approach: you don’t want to do it every time the market sees a dip, and you certainly don’t want to have the same strategy…

It was mentioned as a possibility at the end of 2019 in the Secure Act, but the presence of annuities in your 401k options is becoming more and more likely, thanks to current legislation in Washingto…

Withdrawing money from the wrong accounts at the wrong time can cost more than you think. Jim Cipriotti discusses the tax implications you could face, and how that can magnify withdrawal costs if not…

With $80 billion earmarked for new funding for the IRS included in the Inflation Reduction Act, the need for tax planning (especially in retirement) is becoming more and more clear.  Jim Cipriotti di…

For the first time in quite a while, the current inflation rate is down from 9.1% to 8.5%.  But it might be too early to say that inflation has peaked.  Jim Cipriotti discusses how to factor inflatio…

Albert Einstein once called compound interest “the eight wonder of the world.”  In that same vein, withdrawing from your accounts during down markets is compounding losses, and that’s anything but wo…

While everyone is focused on the volatility in the market these days, there’s one aspect of retirement that many are neglecting, and it could be as costly as any market correction.  Jim Cipriotti dis…

With rising interest rates, record high inflation, and debate over whether or not we’re already in a recession, there’s certainly a lot of "financial noise" out there these days.  Jim Cipriotti talks…

In 2019, the government passed the Secure Act, which raised the RMD age from 70 &1/2 to 72, while also eliminating the stretch IRA.  Now, congress is entertaining a "Secure Act 2.0," and on this epis…