If you’re approaching retirement, how much could your investment portfolio decline before you’d start questioning your strategy? Seeing a significant loss on your account statement can be stressful, especially when you’re counting on those investments to support your retirement income. In this episode of Ramp Up to Retirement, Dan Reese, CFP®, explains how an investment …
Should you change your retirement investments because an expert says the market is headed for a downturn? What happens if the market moves in the opposite direction? With economic headlines, financial commentary, and conflicting opinions coming from every direction, deciding which information deserves your attention can be difficult, especially when you’re nearing retirement. In this …
Your parents’ retirement experience can reveal lessons that are difficult to see while you’re still working. What has changed between their generation and yours, and which financial habits still hold up? In this episode, Dan Reese, CFP®, explains how retirement planning has changed across generations and what you can learn by asking your parents thoughtful …
Choosing between Roth and pre-tax retirement savings can feel simple until taxes, healthcare costs, income changes, and future withdrawals enter the picture. In this episode, Dan Reese, CFP®, explains how Roth and pre-tax 401(k) contributions affect when you pay taxes and why the more appropriate choice may change throughout your career. He covers why lower-income …
When should you claim Social Security, at 62, full retirement age, or 70? The answer can affect more than your first monthly payment, including your future income, taxes, portfolio withdrawals, and the benefit available to a surviving spouse. In this episode, Dan Reese, CFP®, explains how Social Security benefits differ when claimed at age 62, …
If you’re approaching retirement with a large traditional IRA, deciding whether to convert to a Roth account can affect your future taxes, Medicare costs, and what your heirs receive. How do taxes, Medicare costs, retirement income, and estate planning all connect when making this decision? The right decision depends on your situation, not just what …
Are you getting financial advice, or are you simply getting investment updates? Many people build strong relationships with their financial advisor, but that doesn’t always mean every part of their retirement plan is being addressed. Knowing what questions to ask can make a meaningful difference before small planning gaps become bigger problems. In this episode, …
Estate planning is often treated as a task to complete later, but many of the biggest financial decisions begin long before legal documents are signed. How can tax planning, retirement income planning, and investment decisions work together to support your long-term goals while potentially improving how assets are transferred? In this episode, Dan Reese explains …
Selling your business may feel like the finish line, but for many owners, it can mark the start of a completely new chapter. One surprising statistic discussed in this episode: nearly 70% of business owners report regretting the sale within a year. In many cases, owners may feel unprepared for what comes next. In this …
Selling a business involves both financial and personal considerations, and the transition path you choose may influence your long-term business, employee, and personal goals. In this episode, the seventh in the business exit planning series, Dan Reese walks through the most common exit paths available to business owners, including strategic sales, private equity, ESOPs, management …