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HSA and Medicare Premiums – How to Best Use Your HSA After Age 65
Once you enroll in Medicare, you can no longer contribute to your Health Savings Account anymore but you can still use it tax-free for the rest of your life. In fact, since medical expenses are one of the largest expenses
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401(k) Target Date Funds with Annuities – New Hybrid Target Date Funds
The SECURE Act of 2020 opened the door for more insurance products to be offered within 401(k) plans. One trend we’ve noticed creeping into our clients’ retirement accounts —including those
Retire with $5 Million – Financial Planning Topics to Discuss With Your Advisor
If you have $5 million in total assets and you’re interested in retirement, the good news is that you can sustain a pretty hearty annual income from withdrawals for many
TSP Lifetime Income Annuity – Retirement Income Options with the Thrift Savings Plan
If you have money in the Thrift Savings Plan you receive an document called a Lifetime income illustration each year. This document outlines an estimated annuity payment you may be
When to Withdraw from a Roth in Retirement
When should you withdraw money from a Roth account in retirement? Roth IRAs and Roth 401(k)s are excellent long-term retirement accounts. The money in these accounts grows tax-free, and the
Is Stock Market Concentration a Risk to Your Retirement?
The current stock market concentration has been the subject of much recent press, analysis, and commentary. Companies known as the “Magnificent 7” have become so large that they now make
When to Review and Update Estate Documents – Wills, Trusts, Power of Attorney
There is no specific timeframe where you need to update your estate documents. Many times, you can go many years without needing to update your wills, trusts, or power of
Iowa Life and Health Insurance Guaranty Association – Protection Limits for Annuities, Life Insurance, and More
How does the state of Iowa protect you if your annuity or life insurance company fails? If you are a resident of the state of Iowa and purchased an annuity
CD Alternatives – Tax Efficient Options for Cash Savings
There are many alternatives to CDs that investors never consider. While bank CDs provide excellent protection for savings, there can be significant advantages when using alternatives for high-income households when
2026 Update: Iowa Income Tax & Retirement Changes
As of tax year 2026, Iowa has simplified its income tax system, creating clarity for both working adults and retirees. Here’s what’s new and what it means for your planning.