Accessible Finance For Retirement

Our next few episodes will focus on retirement planning.  In this episode we attempt to answer one of the most fundamental questions clients ask financial advisors, “When can I retire?" Am I on track for retirement? While this question is highly individualistic and heavily dependent on your spending, we share the way we think about answering this question for clients. If you would like us to...

Does maxing out 401k deferrals (23k in 2024) guarantee sufficient retirement funding? The short answer is usually...no. How can you maximize your contributions to ensure you are contributing in the best way possible? What if you contributed and want to change the classification to a Roth contribution? What are pro-rata in aggregation rules and how might they affect your taxes? If you would like us...

What expenses should you be tracking throughout the year for state and federal tax purposes? Child and dependent care credit  Before and after care expenses Pre-school education **below kindergarten** Transportation costs to and from place of care Disabled care Home care like a nanny or in home care aid - family members are eligible to be paid for care as long as you are not also claiming them as...

This week we discuss the FIRE movement and what special considerations apply to individuals fortunate enough to find themselves in that position. Why would I care about a Roth conversion ladder, 72t election, or the location of my tax deferred funds (401k vs IRA)? In short, FIRE adherents will need earlier access to dollars and should be aware of these planning tools available to them. If you woul...

This week we provide some retirement metrics in the US and clarify common assumptions around retirement. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at podcast@equilibriumfp.com.  We will anonymize your personal information.  Thanks! What number do I need for retirement?  I have heard 1 million is sufficient.  Is it?  How shou...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessm...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ I...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ I...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠ If yo...

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠ If you wo...

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone, p...

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone, pleas...

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠ If you would like to reach out via phone, please ca...

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠ If you would like to reach out via phone, please ca...

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠ If you would like to reach out via phone, please call 5...

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠ If you would like to reach out via phone, please call 5...

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠ If you would like to reach out via phone, please call 5...

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠ If you would like to reach out via phone, please call 5...

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to Podcast@equilibriumfp.com or visit us on our website at  ⁠⁠⁠equilibriumfp.com⁠⁠⁠ . If you are interested in a free , personalized assessment of your financial situation, please head here: ⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠ If you would like to reach out via phone, please call 504-2...