gradeyouradvisor.com

When Should They Take Social Security?

Social Security is more than choosing an age. We look at how the claiming decision fits with their other income, assets, and retirement timeline.What We're TestingThe Social Security decision belongs inside the retirement plan, not outside it.04

Should They Do a Roth Conversion?

Once we understand their income and withdrawal strategy, we can look for years when intentionally recognizing taxable income may improve the long-term plan.What We're TestingA Roth conversion should be modeled as part of a multi-year tax strategy.06

What Happens When RMDs Begin?

Eventually required minimum distributions can change the tax picture. We look ahead rather than waiting until those distributions arrive.What We're TestingDecisions made earlier in retirement can affect the size and impact of future RMDs.07

What Happens When One Spouse Dies?

A retirement plan built for two people should also be tested for the surviving spouse. Income, taxes, and the overall financial picture can change significantly.What We're TestingA strong retirement plan should consider the survivor, not just the couple.The Bigger Picture

Is Your Advisor Your CoPilot?

A good retirement plan still needs someone helping you monitor the instruments, think ahead, and make adjustments as conditions change. Roger explains why we think of the advisor relationship more like a copilot than a passenger.Your Retirement