Safe Harbor Wealth Management, Author at Safe Harbor Wealth Management

How Emergency Funds Work in Retirement

People heading into retirement generally understand what an emergency fund is. A savings account, a money market account, a cushion

People heading into retirement often have a number in their head. Something like $6,000 a month, or $7,000. It feels

Your Social Security statement has a number on it. That number is incomplete. The Social Security Administration sends it, it

What the 4% Rule Is Actually Based On The 4% rule emerged from a specific period in market history: the

Should I Contribute to a Traditional 401(k) or a Roth 401(k)? It’s one of the most common questions I get,

Before you turn your Social Security on, there are a number of different considerations to make. If you live to

When people begin preparing for retirement, one of the first questions we ask is simple: How much do you actually spend

A Quick Way to Understand Tax Brackets Let’s start with something simple but often misunderstood. Smart tax planning is about

Not long ago, a CPA sat down in my office, and as we talked through retirement planning strategies, she referred

When people start thinking seriously about retirement, one of the most common questions I hear is: “I’ve heard a lot

A note to our clients–thank you for the opportunity to assist you with your complete financial planning needs. If you

Something I’ve seen over and over for years now in client meetings is the sharp contrast between families who have