It's Not Luck. It's Planning. "It's not luck, it's planning" has been the line this firm has run on for 24 years. Tom came up with it back in 2002 — and he's spent every year since watching it prove true. From the outside, a lot of financial outcomes look like luck. -...
Should You Be Managing Your Own Money in Retirement? DIY: managing your own money in retirement works until it doesn't. Here's why that's usually worth a second look. Takeaways: - As retirement nears, the money decisions pile up fast — and many are ones you've never...
Does New Jersey Tax a Qualified Charitable Distribution? A qualified charitable distribution can provide valuable federal tax benefits. But the state tax treatment of a qualified charitable distribution is not always the same. In this (Part II), we explain why a...
5 Facts About QCD Qualified Charitable Distributions Qualified Charitable Distributions (QCD): A Tax-Smart Way to Give From Your IRA After 70½ If you're age 70½ or older and regularly support charitable organizations, a Qualified Charitable Distribution (QCD) may be...
Your Beneficiary Form Decides Who Gets Your NJ Pension In many cases, beneficiary designation forms determine where assets like your New Jersey pension benefits, your retirement accounts or life insurance go. This is regardless of what is written in your will. Here...
Stay NJ part III Stay NJ part III Changes in 2026 https://www.youtube.com/watch?v=7ksWV3ppP4Q Stay NJ part III: This is our third video on this property tax program. Hence the title, Stay NJ part III. In this we cover Roth Conversions, Income Cliff, and Retirement...
Retirement Planning For Couples: The 74% You Can't Ignore When we're retirement planning for couples, there's something worth thinking about. When statisticians say there's a 74% probability of something happening, they don't call that a risk to manage. They call that...
3 Ways Retirement Could Affect Your Ability to Borrow Money Retirement can change more than just your income stream. Your ability to borrow money could be impacted. Certain financial tools and lending options may become less accessible once employment income stops,...
Roth Vs. Pre-Tax 401(k) If you’ve ever wondered whether to choose Roth vs. pre-tax 401(k), you’ve probably seen a lots of different opinions! And not a lot of clarity. The right answer depends on how your taxes actually work, not what someone else is doing....
3 Questions For Your Stress Tested Retirement Plan https://www.youtube.com/watch?v=gC7nFqoHhZ4 A stress tested retirement plan should do more than project average returns. It ought to evaluate how your financial plan during retirement may perform. We don't suggest...
