The steps you take today can prepare you for tomorrow. Take control of your retirement armed with insights, updates and strategies to help you have the retirement you’ve been working for.
What You Need to Know About the SECURE 2.0 Act
Just when you thought you had an up-to-date retirement plan solidified, accounting for all the changes of the Setting Every Community Up for Retirement (SECURE) Act of 2019, Congress wrapped up 2022 with the SECURE 2.0 Act.
Using Tax-Free Life Insurance Strategies to Boost Retirement Income
Strategic use of cash value life insurance can provide similar tax-free benefits to a Roth IRA, without Roth IRA income limitations, all while delivering valuable policy benefits.
Making Your Social Security Decisions
When to start taking Social Security benefits is one of the most critical financial decisions most Americans will make as they approach retirement.
Delaying Social Security Retirement Benefits Isn’t Always the Best Option
The standard advice to delay Social Security retirement income to age 70 doesn’t necessarily apply across the board.
Big Little Choices
What differentiates those who make it to the summit (and back) from those who fall short? Quality planning and good and timely decisions.
You’re Getting a Pension, What are My Payout Options?
Pension plans are still common with local, state, and federal government jobs. However, only 15% of private workplace employees have a pension as part of their retirement package through their employer, according to the 2021 US Census.
Financial Planning Lessons Learned from the Recent Bank Failures
Media coverage of the recent failure of several financial institutions and the intervention of the Federal Deposit Insurance Corp. (FDIC) focused on the risk and protections for the customers who invested their savings with the banks. But the fallout also may have led you to question whether certain benefits you have from your own company are subject to risk.
Defer No More? Part II – The Year of the Roth
Should you continue to defer taxes in a rising tax environment? Deferring income and taxes may not always be the best strategy. In fact, it may prove to be more costly and more tax inefficient over time for taxpayers in the highest brackets.
Getting Your Financial House In Order
Following are some of the major categories and tasks our advisors and I are recommending for clients to get their financial houses in order.
The Key Wealth Institute is comprised of financial professionals representing KeyBank National Association (KeyBank) and certain affiliates, such as Key Investment Services LLC (KIS) and KeyCorp Insurance Agency USA Inc. (KIA).
Any opinions, projections, or recommendations contained herein are subject to change without notice, are those of the individual author(s), and may not necessarily represent the views of KeyBank or any of its subsidiaries or affiliates.
This material presented is for informational purposes only and is not intended to be an offer, recommendation, or solicitation to purchase or sell any security or product or to employ a specific investment or tax planning strategy.
KeyBank, nor its subsidiaries or affiliates, represent, warrant or guarantee that this material is accurate, complete or suitable for any purpose or any investor and it should not be used as a basis for investment or tax planning decisions. It is not to be relied upon or used in substitution for the exercise of independent judgment. It should not be construed as individual tax, legal or financial advice.
The summaries, prices, quotes and/or statistics contained herein have been obtained from sources believed to be reliable but are not necessarily complete and cannot be guaranteed. They are provided for informational purposes only and are not intended to replace any confirmations or statements. Past performance does not guarantee future results.
Investment products, brokerage and investment advisory services are offered through KIS, member FINRA/SIPC and SEC-registered investment advisor. Insurance products are offered through KIA. Insurance products offered through KIA are underwritten by and the obligation of insurance companies that are not affiliated with KeyBank.
Non-Deposit products are:
NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY
