Retirement articles we’ve written featured in

Forbes, The Topeka Capital Journal, & MetroVoice News

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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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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Insurance products, including annuities, offered through Roger Shumaker, KS Insurance License # 787094, and Ryan Shumaker, KS Insurance License #10359614. 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. 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. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding guaranteed income streams refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. Investing entails risks, including possible loss of principal. The use of tools cannot guarantee performance. Past performance is no guarantee of future results. No investment strategy can guarantee a profit or protect against loss in a period of declining values. WealthGuard™ is a complete portfolio monitoring system. Designed by determining the amount of downside risk a client is willing to tolerate, WealthGuard™ is added to client accounts to help protect from downside risk. WealthGuard™ is not a stop-loss strategy. When the account value in the portfolio hits the targeted downside value, an alert is sent to the client, advisor, and money manager. The money manager trades the account as indicated on the WealthGuard™ agreement. There is no guarantee the exact WealthGuard™ value will be captured, or assets will be traded or liquidated, the same day the WealthGuard™ value is reached due to time of day and/or market restrictions. WealthGuard™ is not responsible for any tax implications that may result due to the liquidation or trading of the holdings. FormulaFolio Investments is not responsible for any errors or omissions in the information used to prepare your WealthGuard™ percentages. WealthGuard™ does not make any representations or warranties, whether expressed or implied, regarding investing in securities or investment products. WealthGuard™ makes no warranties to the legality or suitability of any investment product. Roger & Ryan Shumaker are not affiliated with the Social Security Administration or any other governmental agency. We encourage you to contact the SSA about your specific circumstances.