SmartReads

At 10 years before retirement, investment priorities often begin to shift. The focus typically moves from maximizing growth to protecting accumulated savings while managing risk and preparing for future income. Portfolios at this stage commonly combine growth-oriented assets with stabilizing investments to help limit volatility and support a smoother transition into retirement spending. No matter… read more…

Being midway to retirement means you may still have years of earnings ahead. However, the margin for error is smaller than it was earlier in your career. Choosing investments typically involves balancing continued growth with a growing emphasis on risk management and future income. At this stage, you want to protect your progress while positioning… read more…

Transferring property into a trust is an estate planning decision that can affect taxes during your lifetime and beneficiaries later. The tax treatment depends on how the trust is structured and how the property is classified. Gift taxes, capital gains and estate taxes may apply differently depending on the situation. Understanding how property transfers to… read more…

Imagine turning a single $400,000 investment into a steady monthly paycheck that lasts the rest of your life. For many retirees, that kind of predictable income can feel like a financial safety net in an otherwise uncertain retirement landscape. Annuities provide exactly that, but the amount of income they generate, and whether they make sense… read more…