Where retirement and perspective intersect

4 Ways to Avoid RMDs

By Arcadia Financial | February 1, 2017 |

I know you hate them. So why pay them? RMDs, also known as Required Minimum Distributions, are the bane of many a retiree. Once you reach age 70.5, the IRS is through waiting and forces you to take withdrawals from your traditional IRA accounts. Failure to do so incurs a steep 50% penalty. Now the…

You Might Run Out of Money in Retirement Without This

By Arcadia Financial | January 10, 2017 |

A pension – there’s no great mystery here. People are living longer than ever. In the United States, people over the age of 85 represent the fastest growing population segment. Twenty percent of men and a third of women are expected to reach age 90. Without a plan in place to provide lifetime income, many will…

How Congress Ruined Social Security

By Arcadia Financial | August 16, 2016 |

You don’t know what you’ve got till it’s gone … In less than three months, we’ll have a new president. But November 2016 will also mark the one-year anniversary of the Bipartisan Budget Act of 2016. This little piece of legislation will forever be infamous for gutting precious Social Security strategies for married retirees. Amazingly,…

The 5 Essential Elements of a Retirement Plan

By Arcadia Financial | August 11, 2016 |

 “You’re making me nervous!” Worse things have definitely been said in our office, but would it surprise you to know this is exactly the response we’re looking for when meeting with a prospective client? Financial planning is an extremely emotional process. Aligning your resources to achieve a desired outcome requires you to identify your wants,…

Pay Off The #@$! Mortgage

By Arcadia Financial | June 24, 2016 |

You’ve probably wondered about it at least once. When your budget finds an extra dollar, is it better put to use paying down the mortgage or invested into the retirement nest egg? It’s time to end the debate. Pay off the damn mortgage. Set Your Budget Free My preference is for a client’s mortgage to…

Who will inherit more of your estate, the kids or Uncle Sam? The difference is often a Stretch IRA.

By Arcadia Financial | April 15, 2016 |

By Michael R. Panico, CFP® We talk a lot about inheritance and estate protection at our workshops. Those planning for retirement often express the desire to transfer as much of their unused nest egg as possible to the people they love most. Unfortunately, many of us are not successful due to being clueless about RMDs…

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