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Tim has had enough of the daily grind. At 58, this California native is eyeing the exit door from corporate life and wondering if he can finally trade in his briefcase for beach walks, road trips, and time with his grandkids. He’s saved $650,000 across a mix of accounts, expects to receive $45,000 per year…
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Retirement is a time to enjoy the fruits of your labor—but how and when you access your retirement savings can significantly impact your financial security. Whether you’re retiring early or at a traditional age, understanding the tax, healthcare, and income implications of your withdrawals is essential. Let’s explore the five most important things to consider…
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Meet Rachel and Thomas Rachel (60) and Thomas (61) live in Bend, Oregon—a scenic, fast-growing town nestled in the Cascade Mountains, perfect for biking, paddleboarding, and family hikes. Their lives have been a blend of work, parenting, and a lot of careful planning. Thomas spent 35 years as a product development manager for a regional…
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We’re diving into two personal finance topics that many people either misunderstand or overlook entirely: Asset Allocation and Asset Location. If you’ve ever looked at your Roth IRA, 401(k), and taxable brokerage accounts and wondered why your money is split across them—surprise! You’ve already entered the world of asset location, whether you realized it or…
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Leaving a job or retiring before age 65 can be daunting, especially when it comes to health insurance. Fortunately, the Affordable Care Act (ACA) offers options that make coverage affordable through premium tax credits based on income and household size. What Is the Affordable Care Act (ACA)? The Affordable Care Act (ACA), also known as…
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10 Proven Tax-Saving Strategies That Could Save You Thousands (or More) Are you tired of watching a big chunk of your income disappear every tax season? You’re not alone—and you don’t have to settle for it. Whether you’re a high-earning professional, a small business owner, or planning for retirement, there are smart, legal ways to…
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Meet Carlos and Dana Carlos (60) and Dana (59) live in Boise, Idaho—a fast-growing city known for its outdoor lifestyle, family-friendly vibe, and reasonable cost of living. Carlos recently retired from his 30-year career as a civil engineer for the state, while Dana just stepped away from her role as a university librarian. But their…
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Most retirement checklists ask the same questions: “Do you have enough saved?” “Have you claimed Social Security?” “Is your debt under control?” While these are important, they barely scratch the surface of what it means to be truly ready for retirement. Here are seven unconventional, thought-provoking questions—with clear, actionable insights—to help you uncover the deeper…
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For couples considering early retirement, the financial side is only half the challenge. The emotional uncertainty—the “what if we run out of money?” fear—can be just as paralyzing. And when there’s an age gap between spouses, the planning becomes even more nuanced. That’s the case for Mark, age 56, and his wife Linda, age 49.…
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When most people think about investing, their minds go straight to stocks. But there’s another powerful tool in the investment toolbox that often gets overlooked—bonds. Whether you’re building your retirement portfolio, looking to balance out your stock-heavy investments, or simply want to earn income with less risk, understanding how bonds work is crucial. Let’s break…