FAQ's
FAQ's:
There is no charge for consultations.
We have no minimum account size, as we work with individuals at any stage in their financial journey.
Fiduciaries are persons or organizations that act on behalf of others and are required to put the clients’ interests ahead of their own, with a duty to preserve good faith and trust. Fiduciaries are legally and ethically bound to act in the other’s best interests.
| Account | 2026 Limit | Catch-Up 50+ | Catch-Up 60-63 |
| 401(k)/403(b)/TSP | $24,500 | $8,000 | $11,250 |
| Traditional IRA | $7,500 | $1,000 | - |
| Roth IRA | $7,500 | 1,000 | - |
| Simple IRA | $17,000 | $4,000 | $5,250 |
| SEP IRA | 25% employee compensation up to $72,000 | - | - |
While spouses without earned income can’t contribute to a retirement account, spouses with earned income can make contributions on their behalf.
Yes, withdrawals can be taken from a retirement account at any point in time. Keep in mind that taxes and penalties may apply based on account type and your age at time of distribution.
Required Minimum Distributions (RMDs) are required from pre-tax accounts at age 73 for those who were born in 1951 to 1959 and age 75 for those who were born after 1959.
While a rollover from a 401k isn’t required, 401k accounts can be rolled over to Traditional or Roth IRAs by completing the requirements designated by your employer, which could include contacting your 401k custodian to provide instructions for funds to be transferred or the completion of a distribution/withdrawal form.
here are two ways to plan for education expenses for family members: 529 College Savings plans and UTMA/UGMA accounts. Each has pros and cons when it comes to contribution limits and flexibility.
Several factors are considered when determining whether LTC protection is needed for an individual or a couple. Considerations include monthly income and its stability as well as overall net worth. Each individual/couple is unique, and we look at these factors as well as other factors in basing our decision to make a recommendation.
In our opinion, disability income insurance is one of the most needed protections and perhaps one of the most underutilized insurances in the market. Many bankruptcies are declared due to loss of income during a disability. Every household’s income need is unique, which is why we take the time to identify what your particular situation warrants.