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One of the biggest financial advisor mistakes Dec 27, 2021

Its one of the main reasons people leave their financial advisor. What is it?

Is rebalancing worth it? Dec 20, 2021

What is rebalancing a portfolio and is it necessary?

The market is roaring. Why talk about protection now? Dec 06, 2021

You need to take advantage of good years in the market to weather the bad years. Why should you pull back your market exposure now?

Is your advisor really listening to you? Nov 15, 2021

A new study shows some advisors are out of touch with their client needs. How do you make sure you and your advisor are on the same page?

Calculating your retirement net worth Nov 08, 2021

While the account balance in your 401(k) or IRA looks good, it's not the real number you will bring to retirement.

Keeping up with the latest tax changes Nov 01, 2021

So it's not your thing to keep up with the latest changes in the tax laws? That's ok, Bruce is, and it could help your retirement planning.

Should married couples have separate portfolios Oct 25, 2021

If women statistically live longer than men, should they have their own portfolio with a higher risk level so their money will last longer?

The retirement "Fears List" has changed! Oct 18, 2021

When asked, "what is your biggest fear about retirement?", the #1 answer has been the same for many years. But this year, it's different.

Market volatility is back, are you ready for it? Oct 11, 2021

The markets tend to be rocky in the fall, but all the talk of tax hikes may add another layer of uncertainty. Will a market correction damage your retirement lifestyle? Time to do something about it.

Can Tax Freedom Planning work for you? Oct 04, 2021

Look at how much you have saved. Now imagine your tax bill as that same number. It's true for many people. Is there something you can do about it?

Are we about to be the highest taxed people in the world? Sep 27, 2021

Here it comes. The plan to pay for all the stimulus spending is taking shape. How long before they come for your retirement money?

Why are you using Uncle Sam as your financial advisor? Sep 20, 2021

When should you start to dip into your 401(k)? Many people are using Uncle Sam's guidelines when they don't need to.

What is your "Freak-Out" Factor? Sep 13, 2021

There is a point where investors get to in a falling market where they panic and sell everything. How do you determine your "freak-out" factor, and how do you avoid reaching it?

When should the tax conversation start with an advisor? Sep 07, 2021

If you want to move towards a "tax free" retirement, how long before you retire should that process begin?

Can I walk away and retire early? Aug 30, 2021

More and more, people in their 60s have looked at the new reality of the workplace OR have found new freedom by working at home. They are now asking, "Can I retire early?"

There's a new reason to see a financial advisor Aug 23, 2021

When do you need financial help? Is it an age? Is it an amount of money? There is an uneasiness right now that could be your cue to see an advisor.

Your 4 biggest financial concerns Aug 09, 2021

Schwab did a nationwide survey asking, "Where do you need financial help?"

Does a Roth conversion really pay off? Aug 02, 2021

An article in "Market Watch" says that converting your 401(k) money over to a Roth isn't worth it. Bruce says, "Run the numbers."

The main reasons people seek financial help Jul 19, 2021

What are the unknowns in your financial life that you are looking to solve? See if they are the same things on our list.

Biden invests in IRS Jul 12, 2021

President Biden wants to invest 80 billion dollars in the IRS to beef up their ability to audit and collect taxes. What kind of investment will you make to keep your retirement money?

Are we facing "The Perfect Storm" for retirement planning? Jul 05, 2021

Why is this the most challenging era ever to plan for retirement?

Congress is working on higher taxes for retirees Jun 28, 2021

Could the money you send down to your heirs be taxed at 83 percent? That's a new proposal in Congress!

Will the new rules on Capital Gains affect you? Jun 14, 2021

There is a proposal to bring the capital gains tax up to your income tax bracket. What would that do to you in retirement?

Put your retirement plan on the treadmill Jun 07, 2021

When your doctor puts you through a stress test, they are looking for failure points. You can do the same with your retirement plan.

Can you order off the retirement menu? May 31, 2021

Many advisors have a set menu of tools you can use for retirement planning. What if you could order off the menu?

Why are there so many tax proposals right now? May 10, 2021

The market is up, and so are the number of new ideas for taxes. Coincidence?

Should you haggle about your retirement? May 03, 2021

Are you a bargain shopper? Are you always looking for a discount? There are savings to be had in retirement planning, if you know where to look.

How much steam is left in this market? Apr 19, 2021

There is an incredible amount of new money pouring into stocks. Should that concern us?

What can we learn from the ultra-wealthy? Apr 12, 2021

A study was done about what the Super Wealthy view as important regarding their money. It might surprise you.

What you don't know can hurt you Mar 29, 2021

One survey says Americans lose 307 billion dollars a year because of things they don't know. Are you missing something in your retirement planning?

401(k) vs IRA – Which is better? Mar 22, 2021

The 401(k) and the IRA each have their advantages and disadvantages. Let's put them head to head.

The market is up, why is my account not up? Mar 15, 2021

Is your retirement account and its success connected to the market? Is there a need for some diversification?

Will your financial plan keep working in 10 or 20 years? Mar 08, 2021

Is your financial plan built to stand the test of time? Bruce Smith has evaluated many plans at many stages of life. What did he find?

Don't get caught in this frothy market Mar 01, 2021

How do you know what time to pull money off the table without being a market timer?

Are you terrified of loss? Feb 22, 2021

Are you so afraid of losing money that it's hurting your chances of retirement success? Is there a middle road between too conservative and too risky?

50% of retirees are seeing their Social Security check get taxed! Feb 15, 2021

They've already taxed your paycheck for Social Security. Can they tax you again? The answer is YES!

Do you want to live to 100? Feb 08, 2021

People were asked about living to 100. Those who said they didn't want to, had a very interesting reason.

How do you choose the right financial advisor? Feb 01, 2021

There are so many different titles of people to help you with your money. How do you know which one is right for you?

10 reasons you need a tax plan in your retirement plan Jan 25, 2021

Bruce's new book "The Power of Tax Freedom Planning and Management" will be available soon. Here we discuss the 10 benefits he outlines in the book.

Will you be proactive or reactive with taxes in retirement? Jan 18, 2021

Bruce is an Ed Slott 'Master Elite Financial Advisor'. What does that mean and why does Ed say you can choose how you want to pay taxes?

Should DOW 30 thousand mean anything to you? Jan 11, 2021

When is the best time to take a profit? When there is one. Is this the time to make a decision with your retirement accounts?

The inheritance wrinkle you didn't count on Dec 14, 2020

Boomers will pass down over 36 trillion dollars over the next 10 years. Who will benefit the most?

How much of your 401k is really yours? Dec 07, 2020

A record number of people have a million dollars in their 401k accounts. Although they may not actually be millionaires. Joe Pat Roop explains why and how you can stay closer to that million-dollar mark.

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How should you feel about Dow 30,000? Dec 07, 2020

The Dow is up 9,000 points since March. How did you do?

You may not know it but you have a tax problem Nov 23, 2020

Most people pay their taxes on Uncle Sam's schedule. Is there another way to legally pay fewer taxes in retirement?

What retirement and your credit card bill have in common Nov 16, 2020

They tell you to "pay taxes later" on that 401(k) and IRA. But paying taxes later may also mean paying taxes longer.

The right time to sit down with a financial advisor Nov 09, 2020

In the military, you train during the calm times to be ready during the tough times. Can we say the same thing about retirement planning?

Would you rather have a million dollars or a pension? Nov 02, 2020

Everyone wants to be a millionaire, right? In retirement there is a number that is more surprisingly important than your account balance.

Can you run a computer test run on your retirement? Oct 26, 2020

If you took all your financial data and plugged it into a computer program, can it give you a reliable answer to the question, "Have I saved enough for retirement?"

Having a light bulb moment about retirement Oct 19, 2020

How many times have you had a moment of discovery and said "Why didn't anyone tell me about this?" It could be a good thing. Like finding a new restaurant. However, it could also be the moment when you discover that an important part of your retirement is missing.

Will politicians ruin the 401(k)? Oct 12, 2020

They offered us a 401(k) when the pension went away. When it comes to the tax benefit, one politician wants to change the rules.

Can you get to a zero tax rate in retirement? Oct 05, 2020

You can go with the Government tax plan or a personalized tax plan. Which do you think will keep more money in your pocket?

Stop overpaying your taxes Sep 28, 2020

The IRS says there are billions of dollars people pay every year on taxes that could be saved. How can you avoid that trap?

Is paying high taxes a sign of success or something else? Sep 21, 2020

Paying high taxes used to be a sign of great financial success. But is there something you are missing?

The Pension Pot Hail Mary Sep 14, 2020

Many pensions are under-funded. To turn the tide, a pension in California is trying to hit new "highs.".

Is the advantage of the 401(k) gone? Sep 07, 2020

The 401(k) came along to help those of us who didn't have pensions. But now that boomers are using it, are there some fatal flaws?

Will this wacky California idea about taxes catch on? Aug 31, 2020

California has a creative way to retrieve the money they paid for pandemic aid. Will it trickle down to the rest of the country?

How can comedian Steve Martin help your retirement? Aug 24, 2020

There's been a lot of funny moments with Steve Martin over the years, but there's nothing funny about how one of his routines affects our retirement.

How is retirement planning like Monopoly? Aug 17, 2020

Is Monopoly a game of luck or skill? What about retirement planning? Can you build your financial future on more than just a roll of the dice?

Is "sitting still" a good option right now? Aug 10, 2020

Can you look at your investments and retirement accounts and say, "I'll just wait until this is over"?

Will you have the spendable income you think in retirement? Jul 27, 2020

A new survey looked at retirees over more than 20 years and found half of them didn't have the income they hoped. What happened and how can you avoid it?

Is Wall Street really cutting back on fees? Jul 20, 2020

Investment Fees pull away at your retirement nest egg. People are getting wise to it and are not happy about it. Is Wall Street starting to listen?

Tax forward thinking for 2020 Jul 13, 2020

Wealthy people have a tax strategy before the November election. Should you do the same?

Suzi Orman says you're crazy if you put your money here… Jul 06, 2020

Suzi Orman says you're crazy if you put your money in a 401(k). Have things changed so much that the 401(k) is no longer a good place to save for retirement?

Is there too much market risk in the next 6 months? Jun 29, 2020

The Chairman of the Fed sees it. Many money managers see it. Why is it that investors can't see the risk in this market?

Has Covid-19 put your Social Security check in jeopardy? Jun 22, 2020

Social Security is funded primarily through payroll deductions. What has all the unemployment done to the future of the program?

Is the market full of "stupid money"? Jun 15, 2020

The bad economic news keeps coming in, but the market keeps going up. How is this possible, and is it a warning sign?

Congress is busy changing retirement planning Jun 01, 2020

Congress has made sweeping changes in the last 6 months about how you will treat your IRAs and 401(k)s. Is your plan keeping up?

How often are you checking your retirement accounts? May 18, 2020

If you are checking your retirement accounts regularly what does that say about you? Is there a way that you can ease some of that anxiety?

Has the recent market made you lose confidence in investing? May 11, 2020

Warren Buffett says he's sitting on billions in cash right now looking for a good place to invest, but can't find one. What should that say to you?

How Covid-19 may have changed financial planning forever May 04, 2020

It's possible your shopping habits, recreational activities and work environment may be changed forever with Covid-19. One analyst says this will change Capitalism forever.

Did you prepared for the unexpected? Apr 20, 2020

Having a financial plan means testing for all kinds of ups and downs in the economy. How has your plan fared so far?

Have recent events changed the strategy of using dividends for income? Apr 13, 2020

Holding a stock because it pays a dividend has been an income strategy for years. But what happens if that company reduces or can no longer pay that dividend?

Are you suddenly unsure about retirement? Apr 06, 2020

If what has happened over the last month has put doubt about whether you can retire, now is the time to talk about your financial plan.

Is this 2008 again? And what do I do? Mar 30, 2020

You are sheltered at home, watching your retirement money take a huge hit. How do you get help and what do you do?

You've seen losses. Can you recover quicker than 2008? Mar 23, 2020

It may have taken you 5 years to recover your 2008 losses, can we reduce that after this current market drop?

Are you ready to get off the market roller coaster? Mar 16, 2020

Wall Street flipped a "Circuit Breaker" recently to stop dramatic losses. Do you have a "Circuit breaker" in your portfolio?

Wild swings on Wall Street, what is your move? Mar 09, 2020

The Corona Virus, Super Tuesday, and a surprise cut by the Fed have the market swinging by over 1,000 points a day. If you are close to retirement, do you really want to be on this roller coaster?

Do you have termites in your retirement plan? Feb 24, 2020

Termites work unseen over time and when you discover them they usually have done a lot of damage. Is there something in your retirement plan doing the same thing?

Beyond the Basics Feb 17, 2020

We brought in an article this week that says a good financial advisor goes "Beyond the Basics." What are the basics, and what should we expect beyond that?

Figuring out your monthly spend in retirement Feb 10, 2020

Pick a number…or pick a percentage. Is that the way to figure out how much you can spend each month in retirement?

Are you Uncle Sam's Tax Mule? Feb 03, 2020

Those close to retirement, and IN retirement and paying the bulk of taxes in this country. That may come as a surprise for those about to go on a fixed income.

Finding the lost money in retirement Jan 27, 2020

Is there money to be "found" in your portfolio? Bruce talks about how with smarter tax, fee and risk management, there may be money for your retirement that you never knew you had.

Are we in for a market "melt up"? Jan 20, 2020

What is a stock market melt up and what might be the danger to the retirement saver?

Do you see yourself as wealthy? Jan 13, 2020

As your 401k balance got bigger in 2019 it probably didn't change anything about you. But there is someone who views you in a whole different light.

They've changed the rules for retirement planning Jan 06, 2020

At the end of 2019 Congress passed "The Secure Act." There are some big changes that you need to know about if you have an IRA or 401k.

There's a new magic number! Dec 30, 2019

It's common for people to ask, "How much do I need for retirement?" The internet is full of ideas, and those ideas are constantly changing.

Wacky Wall Street Advice Dec 23, 2019

You need to sift through the advice you hear on the financial networks to see if it's right for you. The question is: Is this advice good for anyone getting ready for retirement?

Why women are unhappy with financial services Dec 16, 2019

There's a new study that says of all the services women use, they are most unsatisfied with financial services. Why is that?

The Folly of Predictions Dec 09, 2019

I your financial advisor looks at you and says, "You're gonna be fine," don't believe him.

Are you in the Sweet Spot for a rollover? Nov 25, 2019

Converting some of your taxable money to tax free money sounds good, but are you a good candidate for this strategy?

Losses vs Low Returns Nov 18, 2019

What do you think is more dangerous to your retirement: Losses or lower returns?

Dow 650 thousand, are you kidding me? Nov 11, 2019

Bruce weighs in on one of the more outlandish predictions we've heard lately, plus the results of your politics influencing your investing.

Pulling the financial blinders off Nov 04, 2019

Fidelity reports a record number of people pulling out of the market and going into CDs. Is this smart, overly cautious, or misguided? Bruce discusses the alternatives with better risk management.

Financial lessons from Judge Judy Oct 28, 2019

You may not know it but Judge Judy is one of the highest paid women on TV, and we can learn something from her "No BS" approach.

Put a dent in your biggest retirement expense Oct 21, 2019

What do you think your biggest retirement expense will be? Will it be food, housing, fun or something else? You might be surprised.

Is your pension a part of the next headline? Oct 14, 2019

GE announced it is freezing pensions for 20 thousand employees and offering buy out for 100 thousand others. If you are looking forward to a pension check, what do you need to know?

I don't have time for financial planners Oct 07, 2019

There is always an excuse to avoid talking about your money and planning for the future. Bruce talks to those of you who say: "I don't have time," "I don't understand it," "I hate it," "I do it myself," and "I don't have enough money to justify a financial advisor."

The Retirement Double Whammy Sep 30, 2019

What happens if the year you retire the market takes an ugly turn? Can you prepare for that?

The curious client Sep 23, 2019

Bruce has told many stories of how he has helped clients increase their potential lifetime retirement benefits by 100 thousand dollars or more. Your question might be the same as many who come into the office. Can it work for me?

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