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Javier Simon

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Should You Drain Brokerage Accounts First in Retirement?

Taking withdrawals proportionally from multiple account types can help reduce tax shocks in retirement. MK Lasek/ShutterstockYou may have heard that in retirement, you should draw down your brokerage account first to meet immediate needs, while giving your tax-advantaged accounts more time to potentially grow.This...
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What Do I Do After Maxing Out My 401(k) and IRA?

Reaching your 401(k) and IRA limits opens the door to other tax-smart wealth-building strategies. Cagkan Sayin/ShutterstockIf you’ve maxed out your 401(k) and IRA, there are still further ways to continue amplifying your retirement savings.Your financial plan has plenty of room for development. Let’s take...
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Tax Benefits of Donating Appreciated Stock

A well-timed stock donation can benefit both your chosen charity and your overall tax...
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Hidden Tax Breaks for Retirees

Retirees may qualify for tax-saving opportunities that can reduce their overall tax burden. Monthira/ShutterstockAfter...
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Why You Should Still Invest in Stocks in Retirement

A balanced mix of stocks and fixed-income investments can help retirees manage risk while...
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The Hidden Costs of Retiring Early

Early retirement is possible, but it often requires careful planning to overcome major financial...
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Generating Tax-Free Income in Retirement

Retirees can lower future tax bills with Roth conversions and tax-free income strategies. Jelena...
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Strategically Using Your HSA as a Retirement Account

Health savings accounts offer triple tax advantages and potential long-term retirement benefits. everydayplus/ShutterstockA health...
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Dividend Income Versus Total Return: Which Is Right for Retirees?

Dividend income may feel safer, but payouts can shrink or disappear during market downturns....
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Defending Yourself From the Tax Torpedo

Strategic tax planning may help retirees avoid costly income-based tax traps. Steve Heap/ShutterstockMost Americans...
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What Happens if I Keep Working While Earning Social Security?

Once you reach full retirement age, you can earn as much as you want...
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Charitable Giving: How to Manage Donations With New Tax Laws

The OBBBA introduces new limits and tax breaks for charitable giving starting in 2026....
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How Does Medicare With Employer Coverage Work?

Before you delay Medicare, understand how it works with your current job coverage. voronaman/ShutterstockMost...
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How to Defend Your Retirement Plan Against a Bear Market

A bear market doesn’t have to derail your retirement if you manage risk and...
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