Don’t Let Coulda, Woulda, Shoulda Derail Your Dreams

Have you ever wanted something badly but didn't know how to make it happen? Then you should find inspiration in this post. My husband, Bryan, our three young boys and...

Last Chance to Undo a Roth Conversion

The end is near: If you want to reverse a 2017 Roth conversion, you have until October 15. After that date, the recharacterization move for Roth conversions is not...

Pension Debt Is Threat to Vt.’s Future

The gap between what Vermont owes current and future retired state employees and teachers, and what assets it has to pay them, has ballooned in the last decade, threatening...

Challenges to the private retirement system

The private pension system in the U.S. is in transition. The shift is from defined benefit pension plans wholly controlled by employers to defined-contribution 401(k) plans that are partially...

5 Ways to Avoid Taxes on Social Security Benefits

You may need to pay income taxes on a portion of your Social Security benefits, based on your income. But knowing the rules and a few key strategies can...

Retirees, Go Ahead and Spend a Little (More)

It's no secret that many Americans have not saved enough for retirement. But here's the flip side of the coin: retirees who don't spend enough of their savings. A recent...

Retirement Today Doesn’t Come as Easily as It Did in Past...

America has a retirement problem. Over the past decades, macroeconomic trends and shifts in corporate thinking have made the process of planning for retirement harder to navigate for the...

Create a Retirement Income Plan That Keeps You on Solid Ground

Despite a bull market that happily trotted past its ninth birthday a few months ago, recent market volatility has caused many Americans to worry that their nest eggs aren't...

After Years Of Opposition, Connecticut Legislators Say It May Be Time...

Momentum is growing at the Capitol to change Connecticut's estate tax, which Republicans argue is driving the wealthiest residents out of state when they retire. For years, critics said eliminating...

Make the Most out of Retirement by Divorcing the IRS

Andy Guzy of Guzy Financial Services, Inc. is an Illinois-based financial planning firm that is known for its comprehensive retirement planning and innovative financial solutions. Its founder Andy Guzy...

Planning for Retirement: Should You Pay Off the House Early?

Colette Leavitt faced a difficult financial decision a few years ago, as she approached her sixties. She originally planned to retire early, at age 62, with her mortgage paid...

To Save More, Imagine Your Retirement

Imagine this: You're retired and learning Italian for a trip to Rome, or you're running along the beach as you train for your first half-marathon. Whatever your life will look...