Losing a family member is difficult. This is especially true when you have to make complicated financial decisions while you’re grieving, like figuring out what happens if you inherit an IRA. Recently, the IRS updated…
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What to Do After You Retire in Dayton, Ohio: A Post-Retirement Checklist
Recently, I wrote about the top items to tackle before you step away from work. Now that you’ve retired, let’s discuss this Dayton post-retirement checklist so you can track your progress and adjust. Key Takeaways…
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Dayton, OH Pre-Retirement 10-Step Checklist: What to Do Before You Retire
For years, I’ve worked in the Dayton community helping families retire on their own terms. As a fee-only, fiduciary financial planner, my goal is to cut through the confusion and simplify the transition so you…
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Can You Contribute to an HSA After Retirement? Rules, Limits, and Exceptions
When I’m working with clients, I’m always looking for ways to reduce their lifetime taxes and build resources for healthcare costs. If they have an eligible high-deductible health plan, we’ll probably discuss the benefits of…
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When Should You Start Retirement Planning in Ohio? Timing, Tips, and Next Steps
In February I turned 40, and I’ve been thinking about how much my mindset has changed in the past 10 years. Many years ago, when I was working in education, my wife and I basically…
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How to Avoid IRMAA Surcharges: 8 Smart Ways to Reduce Medicare Premiums
Ever have the frustrating experience of finding out you’re paying more for something, but you’re not getting any added benefit? My retired clients feel this way when they find out they have to pay Medicare…
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Do I Need a Trust or a Will? Key Differences and How to Decide
If you’re close to or in retirement and wondering, “do I need a trust or a will?” you aren’t alone. You’ve known for a long time that you need an estate plan, but it’s easy…
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