Retirement articles we’ve written featured in

Forbes, The Topeka Capital Journal, & MetroVoice News

Why Taxes are Higher in Retirement (& How to Lower Them)

Why Taxes are Higher in Retirement (& How to Lower Them)

We often say on our radio show that retirees are one of the highest and most unfairly taxed groups out there. This is especially true in Kansas, as Kiplinger has our state rated as the third least friendly state in the entire country for taxes on retirees. At The...

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Is Gold the Golden Ticket to Beating Inflation?

Is Gold the Golden Ticket to Beating Inflation?

If your goal in retirement is to have an increasing income in order to offset ever increasing prices, gold is one of the worst possible investments you could make. In fact, gold is the second worst major investment class an investor could buy if the goal is to beat...

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42 Reasons to Sell All of Your Investments

42 Reasons to Sell All of Your Investments

The stock market hit a new 52 week low a whopping 13 times last year. That’s more than what we saw over the entire last decade and nearly twice as many times as what occurred during the booming 90s. Banks are starting to fail, inflation is still stubbornly high, and...

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6 Tax Pitfalls to Avoid

6 Tax Pitfalls to Avoid

At The Retirement Team we are big fans of the saying, “Give to Caesar his due, but not a dollar more!”, which is why at our firm we focus on helping clients create tax efficient retirement plans and portfolios. With tax filing season upon us, we thought we’d share a...

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Beneficiary Mistakes Can Cost a Fortune

Beneficiary Mistakes Can Cost a Fortune

Beneficiary designations are important in determining where certain assets of an estate will end up. Many think that a will or trust is what determines where everything goes. This is not necessarily true, and it’s a big mistake to make this assumption. A last will and...

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Why You Shouldn’t Listen to Those on Wall Street

Why You Shouldn’t Listen to Those on Wall Street

Gas prices, grocery store bills, and interest rates have all been rising at a fairly high rate recently. It seems to be what everyone is talking about. The question is, where are they headed next? To be blunt and to the point, no one knows and listening to those that...

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If the Average Investor is Losing, Who is Winning?

If the Average Investor is Losing, Who is Winning?

When it comes to investing, for every loser there is an equal and opposite winner. If someone sells something to someone else and it goes up in value the person that sold lost while the person that bought won (and vice versa). According to Dalbar’s most recent study...

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Top 10 Reasons Not to Plan for Retirement

Top 10 Reasons Not to Plan for Retirement

You probably read or hear about some “Top Ten” list nearly every day, but take a moment to read this one. This list is different, and probably not the kind of list you’d expect a financial advisor to write. Reason #10: “It’s too expensive” Being penny wise and dollar...

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Should You Take a Pension Buyout?

Should You Take a Pension Buyout?

Interest rates have been soaring and bonds, typically seen as a more conservative or ‘safer’ investment, are seeing their largest loss in history as a result. In fact, if you look at the US Aggregate Bond Index (this is the most widely followed bond index and the...

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Given What’s Happening in the World, is it Time to Sell?

Given What’s Happening in the World, is it Time to Sell?

There’s been a lot of negative news headlines recently and I’m hearing the phrase “with what’s going on right now, should I just cash everything out until things calm down?” when having new meetings with prospects. If you’ve been thinking or wondering the same thing,...

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The Trouble with Trillions

The Trouble with Trillions

Since the pandemic began, we’ve had 3 different stimulus bills that far exceed by multiple amounts any other stimulus measure in history as well as the largest ever infrastructure bill all passed. The current running total between these pieces of legislation exceeds...

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Stop Losing Money Safely

Stop Losing Money Safely

Over the course of the average retirement all prices more than double. In fact, they’ll go up more than 2.5 times. Something that costs $100 today will cost $257 by the end of a 30 year retirement. That’s assuming just historical average levels of inflation as...

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How Low Can Rates Go?

How Low Can Rates Go?

Think stocks are high and overpriced? We think the real bubble is brewing in bonds. Looking back to the start of the century, interest rates have been in decline. Back then the Aggregate Bond Index was paying over 7%. Today? Just 1%. This means in order for investors...

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401(k) Plan Owners: Watch Out!

401(k) Plan Owners: Watch Out!

Imagine how you would feel if you were on a sinking cruise ship and couldn’t get off because there weren’t any life jackets or backup boats. Now ask yourself, if you were going to potentially face this scenario, when would you want to know about it? If you have money...

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Nearly 1/3 of Investors 65+ Sold at the Market Bottom

Nearly 1/3 of Investors 65+ Sold at the Market Bottom

Typically when you fail to plan, you are planning to fail. It’s best to have a plan before trouble comes, rather than make emotional decisions on the fly during times of duress as this often leads to the exact wrong decision. Incredibly nearly 1/3 of investors 65+ (a...

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Ways to Avoid the New Tax Increase on Retirement Accounts

Ways to Avoid the New Tax Increase on Retirement Accounts

Last month we discussed the SECURE Act and its projected $15.7 billion tax increase on beneficiaries of tax deferred retirement accounts (like 401(k)s, 403(bs), TSPs, IRAs, etc.). The only ones excluded from this new way of distributing retirement accounts are...

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The “7% Guaranteed” Annuity Myth

The “7% Guaranteed” Annuity Myth

One of the most common things I hear from people who own or have been pitched an annuity is the belief that the annuity will “earn 7% guaranteed.” Usually this is due to either a salesperson misrepresenting how the annuity works or the consumer misunderstanding. The...

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Don’t Play Politics With Your Portfolio

Don’t Play Politics With Your Portfolio

Did the outcome of the election make you really happy and excited? Or did it leave you concerned, especially when it comes to your investments? Either way, you shouldn’t play politics with your portfolio. Why? Because investing when only a specific political party is...

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Should You Change Investments Ahead of the Election? Maybe.

Should You Change Investments Ahead of the Election? Maybe.

Worried about what might happen to financial markets if we have the first contested election in 20 years or if your candidate doesn’t win? You aren’t alone. Unfavorability ratings of presidential candidates has been on the rise the last 36 years and with the megaphone...

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Who Believes in the Rally?

Who Believes in the Rally?

Last month the S&P 500 reached a new all time high. Crazily this has come at the same time that retail investors have been piling out of mutual funds and ETFs at a record rate. The week the S&P 500 finally made it back to where it was in February of this year...

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Who’s Gonna Pay for the ‘Free’ Lunch

Who’s Gonna Pay for the ‘Free’ Lunch

The saying “there’s no such thing as a free lunch” has been attributed to many people over the years. Someone must produce and someone must pay for what we consume. There has to be food in order for there to be a lunch and once that food is consumed it is not...

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The RMD Holiday

The RMD Holiday

We said last month that retirees are one of the highest and most unfairly taxed groups out there and stressed the importance of tax reduction planning when it comes to investments and retirement. While the SECURE Act passed last December is certainly a huge negative...

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The Stock Market in Election Years – Should you be worried?

The Stock Market in Election Years – Should you be worried?

A common question I’ve heard as of late is ‘what’s the stock market going to do given the upcoming election?’ Well let’s start by looking at how the S&P 500 has fared in the 18 elections since World War II. There has only been 2 years out of the 18 where the...

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Getting The Taxman Out Of Your Retirement (Part 2)

Getting The Taxman Out Of Your Retirement (Part 2)

Recently, in part one of this article, we discussed how you might be in a lower tax bracket in retirement, but pay a higher tax rate. In this article, we’ll look at how a Roth may be able to help you avoid this scenario. Utilizing a Roth The beauty of a Roth is that...

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Getting The Taxman Out Of Your Retirement (Part 1)

Getting The Taxman Out Of Your Retirement (Part 1)

One of the most overlooked, but perhaps most important, aspects of income planning is taxes and how they relate to Social Security. Taxation on Social Security benefits works differently than other income sources; because of this far too many people unknowingly fall...

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The generalized information we provide regarding tax minimization planning is not intended to, and cannot be used by anyone to avoid paying federal, state, or local municipality taxes or penalties only reduce them. You should seek advice based on your particular circumstances from an independent tax advisor, as tax laws are subject to interpretation and legislative change and are unique to every specific taxpayer's particular set of facts and circumstances. Investing entails risk, including possible loss of principle.