The Social Security Decision You Can’t Take Back
Many retirement decisions can be adjusted later if circumstances change. Social Security timing is one of the few things that
Why We Wait Until Fall to Do Roth Conversions
You have spent years contributing to a 401(k) or an IRA. For a lot of that time, nobody suggested there
The Top 10 Retirement Mistakes We See
Retirement plans rarely collapse from a single bad investment. It’s usually a handful of small oversights stacking up year after
How to Know When You’re Actually Ready for Retirement
Almost everyone who sits down with us starts with some version of the same question: how soon can I stop
The Health Insurance Gap: What New Jersey Pre-Retirees Need to Know
I have this conversation more than people might expect. Someone comes in at 61. They have done everything right. The
Safe Harbor Wealth Management is a Proud Gold Sponsor of Ocean County Charity Golf Event
Safe Harbor Wealth Management is proud to serve as a Gold Sponsor of the 10th Annual Ocean County Business Association
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
How Much Do You Actually Spend in Retirement?
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 Is Missing Something Important
Your Social Security statement has a number on it. That number is incomplete. The Social Security Administration sends it, it
Does the 4% Rule Actually Apply to You?
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)?
Should I Contribute to a Traditional 401(k) or a Roth 401(k)? It’s one of the most common questions I get,
What to Know Before You Turn On Your Social Security
Before you turn your Social Security on, there are a number of different considerations to make. If you live to
The Retirement Budget Mistake Most People Miss
When people begin preparing for retirement, one of the first questions we ask is simple: How much do you actually spend
A Smarter Way to Use Your Tax Bracket
A Quick Way to Understand Tax Brackets Let’s start with something simple but often misunderstood. Smart tax planning is about
What is the Retirement Honeymoon Phase?
Not long ago, a CPA sat down in my office, and as we talked through retirement planning strategies, she referred