Tag: retirement income

The Most Expensive Social Security Mistakes

September 19, 2013 | By Steven DiGregorio

After decades of paying into the Social Security system, soon to be retirees are eager to start collecting! You’re at the “Finish Line” and ready to leave behind the daily grind! But you have options. And making the wrong decision now can be an irreversible and costly mistake! You’re not across the line yet…pay attention!  […] READ MORE

Traditional or Roth IRA, Which Retirement Fund is Right for You?

January 19, 2012 | By Steven DiGregorio

Do you need to plan more for your retirement?  These days who doesn’t? You may want to consider opening an individual retirement account to complement any workplace savings plan for which you might be eligible.  IRAs provide the potential for tax adantaged, compound growth of your retirement savings.  One key consideration in establishing a new IRA though is to decide whether a […] READ MORE

Tax-smart Strategies for Retirement Income Distribution

November 17, 2011 | By Steven DiGregorio

The first wave of baby-boomers turns 65 this year, and that means millions of new retirees will begin to switch from accumulating a nest egg to drawing income from it. If you’re a boomer, it’s time to start thinking about how you’ll convert decades of savings into a lifetime stream of income, which accounts to tap first and […] READ MORE

When It’s OK to Tap Your IRA

April 14, 2011 | By Steven DiGregorio

You’ve been saving diligently for your retirement, but now you need some of that cash to cover today’s expenses. Can you get to it without incurring Uncle Sam’s tax wrath? In some instances, the answer is yes. When you take money out of an individual retirement account before you reach age 59½, the Internal Revenue […] READ MORE

Retirement Success – Decoding the Mystery

April 5, 2011 | By Steven DiGregorio

Millions of Americans fear the unknown – Retirement. They fear not having enough money to live comfortably. They fear becoming dependent on their children because they cannot afford to make it on a fixed income. “Americans’ confidence in their ability to afford a comfortable retirement has plunged to a new low,” says the latest annual Retirement Confidence Survey […] READ MORE

Married? How to Manage Both 401(k)s Properly

January 14, 2011 | By Steven DiGregorio

So what should we call this process?  “Marriage Diversification”?  If a married couple each have any retirement plan be it IRA, 401(k), 403(b) or other, managing the assets appropriately can be challenging. Should they each have the same funds in their accounts? Should they pick different but similar funds? Should one portfolio be aggressive and the other more […] READ MORE

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