General Retirement Q&A

Question 1

What are the implications of reduced estate and gift tax exemptions for retirees? View answer

Asked 6 ´months ago | General Retirement

Question 2

What major tax law changes are expected to take effect in 2026? View answer

Asked 6 ´months ago | General Retirement

Question 3

What are the benefits of choosing fixed indexed universal life insurance as a young adult? View answer

Asked 6 ´months ago | General Retirement

Question 4

How much guaranteed retirement income will I receive from Social Security, pensions, or other sources? View answer

Asked 6 ´months ago | General Retirement

Question 5

How can I plan for unforeseen expenses like medical emergencies or inflation? View answer

Asked 6 ´months ago | General Retirement

Question 6

What expenses should I consider when planning for retirement? View answer

Asked 6 ´months ago | General Retirement

Question 7

How can I determine if I have enough savings to retire comfortably this year? View answer

Asked 6 ´months ago | General Retirement

Question 8

Why is consulting a financial professional crucial when planning for retirement? View answer

Asked 6 ´months ago | General Retirement

Question 9

How can Fixed Index Annuities (FIAs) help mitigate market volatility in retirement planning? View answer

Asked 6 ´months ago | General Retirement

Question 10

What is the "Rule of 100," and how can it help in balancing risk and reward in retirement? View answer

Asked 6 ´months ago | General Retirement

Question 11

How does longevity affect retirement planning? View answer

Asked 6 ´months ago | General Retirement

Question 12

What are the financial risks associated with withdrawing from an underperforming retirement account? View answer

Asked 6 ´months ago | General Retirement

Question 13

What are some common reasons people delay retirement planning? View answer

Asked 6 ´months ago | General Retirement

Question 14

What role can a financial professional play in retirement planning? View answer

Asked 6 ´months ago | General Retirement

Question 15

What is a catch-up contribution, and who is eligible for it? View answer

Asked 6 ´months ago | General Retirement

Question 16

How can budgeting help in setting retirement savings goals? View answer

Asked 6 ´months ago | General Retirement

Question 17

Why is it important to review your retirement savings plan regularly? View answer

Asked 6 ´months ago | General Retirement

Question 18

What role do Fixed Index Annuities (FIAs) play in retirement income protection? View answer

Asked 6 ´months ago | General Retirement

Question 19

Why is diversification important in retirement planning? View answer

Asked 6 ´months ago | General Retirement

Question 20

How can I determine if I’ve saved enough to retire this year? View answer

Asked 6 ´months ago | General Retirement

Question 21

What is a "catch-up contribution," and how does it help those over 50 with retirement savings? View answer

Asked 6 ´months ago | General Retirement

Question 22

What are some risks I may encounter if I'm not prepared for retirement? View answer

Asked 6 ´months ago | General Retirement

Question 23

Why is retirement planning so important to the younger generation? View answer

Asked 6 ´months ago | General Retirement

Question 24

Why is it crucial to have a solid financial plan before retiring? View answer

Asked 4 ´months ago | General Retirement

Question 25

What are the potential benefits of Fixed Index Annuities (FIAs) in terms of tax-deferred savings and lifetime inco View answer

Asked 4 ´months ago | General Retirement

Question 26

What are some enjoyable ways to fill free time in retirement, and why is planning this important? View answer

Asked 4 ´months ago | General Retirement

Question 27

What are some alternatives to fully retiring at 65 for those who still enjoy their work or feel healthy enough to View answer

Asked 4 ´months ago | General Retirement

Question 28

What is the “silver tsunami” or “peak 65” in the context of American retirement trends? View answer

Asked 4 ´months ago | General Retirement

Question 29

What are some factors to consider when deciding if it’s the right time for retirement? View answer

Asked 4 ´months ago | General Retirement

Question 30

How can grandparents support a grandchild’s learning? View answer

Asked 4 ´months ago | General Retirement

Question 31

What challenges can grandparents face in relationships with their adult children and grandchildren? View answer

Asked 4 ´months ago | General Retirement

Question 32

What are some examples of “extras” grandparents might plan for in retirement? View answer

Asked 4 ´months ago | General Retirement

Question 33

Why is sharing family traditions important for children? View answer

Asked 4 ´months ago | General Retirement

Question 34

How can grandparents teach resilience and coping skills to their grandchildren? View answer

Asked 4 ´months ago | General Retirement

Question 35

What are three benefits of being a grandparent? View answer

Asked 4 ´months ago | General Retirement

Question 36

How can being a grandparent positively impact mental health during retirement? View answer

Asked 4 ´months ago | General Retirement

Question 37

What are some of the key roles grandparents play in their children's and grandchildren's lives nowadays? View answer

Asked 4 ´months ago | General Retirement

Question 38

How does SECURE 2.0 impact RMD rules for special needs trusts, and what benefit does this provide to disabled bene View answer

Asked 5 ´months ago | General Retirement

Question 39

What changes to annuity provisions in retirement plans were introduced by SECURE 2.0? View answer

Asked 5 ´months ago | General Retirement

Question 40

How can individuals reduce the excise tax penalty for RMD errors under SECURE 2.0? View answer

Asked 5 ´months ago | General Retirement

Question 41

What was the excise tax rate for RMD errors prior to SECURE 2.0, and how did the tax rate change under the new law View answer

Asked 5 ´months ago | General Retirement

Question 42

How does the Uniform Lifetime Table differ from the Single Lifetime Table in calculating RMDs for surviving spouse View answer

Asked 5 ´months ago | General Retirement

Question 43

What change did SECURE 2.0 make regarding the treatment of surviving spouses for RMD purposes? View answer

Asked 5 ´months ago | General Retirement

Question 44

How does SECURE 2.0 affect the age at which RMDs must start in the future, specifically in 2033? View answer

Asked 5 ´months ago | General Retirement

Question 45

At what age must someone with a tax-deferred retirement plan begin taking RMDs under SECURE 2.0? View answer

Asked 5 ´months ago | General Retirement

Question 46

What changes to Required Minimum Distributions (RMDs) were introduced by SECURE 2.0? View answer

Asked 5 ´months ago | General Retirement

Question 47

What was the purpose of the SECURE Act, and how did SECURE 2.0 build upon it? View answer

Asked 5 ´months ago | General Retirement

Question 48

What is AARP's "This is Pretirement" campaign, and how does it aim to assist individuals in retirement planning? View answer

Asked 5 ´months ago | General Retirement

Question 49

What common feelings do people experience regarding their retirement savings, and how can these feelings impact th View answer

Asked 5 ´months ago | General Retirement

Question 50

Why is it important to assess your retirement plan even if you're several years away from retiring? View answer

Asked 5 ´months ago | General Retirement

General Retirement Q&A

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