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# Creative Financial Group

Financial & Retirement Planning Services

## Sitemaps

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## Posts

- [What Happens If the Stock Market Crashes the Year You Retire?](https://creativefinancialgrp.com/what-happens-if-the-stock-market-crashes-the-year-you-retire/) - Learn what happens if the stock market crashes the year you retire and discover practical strategies to protect your savings and retirement income.
- [How Do You Avoid IRMAA in Retirement?](https://creativefinancialgrp.com/how-do-you-avoid-irmaa-in-retirement/) - Learn how to avoid IRMAA in retirement with smart income and tax planning strategies. Reduce Medicare premium surcharges and protect your retirement savings.
- [When Should You Do a Roth Conversion?](https://creativefinancialgrp.com/when-should-you-do-a-roth-conversion/) - Learn when a Roth conversion makes sense, key tax considerations, and how the right timing can help maximize tax-free retirement income.
- [Can You Retire Now? And If Not, When?](https://creativefinancialgrp.com/can-you-retire-now-and-if-not-when/) - Wondering if you're ready to retire? Discover the key financial factors that determine when you can retire with confidence and peace of mind.
- [Trump Accounts for Grandkids: How Grandparents Can Build Tax-Free Wealth](https://creativefinancialgrp.com/trump-accounts-for-grandkids-how-grandparents-can-build-tax-free-wealth/) - Discover how Trump Accounts may help grandparents grow tax-free savings for grandkids and create a lasting financial legacy for future generations.
- [Understanding IRRMA: The Hidden Tax Impacting Retirees](https://creativefinancialgrp.com/understanding-irrma-the-hidden-tax-impacting-retirees/) - Income-Related Monthly Adjustment Amount (IRRMA) is a lesser-known tax that could significantly impact your financial health during retirement. It’s essential to grasp how this can affect your future, as in 2023, 7.3 million people received penalty letters from the IRS, and projections suggest this number will double by 2031. The Stealthy Burden of IRRMA Most
- [How Much Do You Need to Retire?](https://creativefinancialgrp.com/how-much-do-you-need-to-retire/) - Find out how much you need to retire comfortably. Learn key retirement planning factors, savings targets, income strategies, and more.
- [How Much Do I Need to Retire](https://creativefinancialgrp.com/how-much-do-i-need-to-retire/) - Find out how much you need to retire comfortably. Learn key retirement planning factors, savings targets, income strategies, and more.
- [What Is a Fiduciary Financial Advisor? The 2026 Rules Are Confusing. Here's What Actually Matters.](https://creativefinancialgrp.com/what-is-a-fiduciary-financial-advisor-the-2026-rules-are-confusing-heres-what-actually-matters/) - Confused by the 2026 fiduciary advisor rules? Learn what a fiduciary financial advisor really does, why it matters, and how to choose the right advisor.
- [Why the 4% Rule Is Dead — New Retirement Withdrawal Strategies for 2026](https://creativefinancialgrp.com/why-the-4-rule-is-dead-new-retirement-withdrawal-strategies-for-2026/) - The 4% rule was built on 1994 data and a world that no longer exists. Here's what Morningstar's latest research says — and what actually works for retirement withdrawals in 2026.
- [Retirement Tax Planning 2026: Why This Year's Tax Return Is the Wrong Thing to Focus On](https://creativefinancialgrp.com/retirement-tax-planning-2026/) - Most people cut their tax bill this April. Smart retirees cut their tax bill for the next 30 years. Here's the difference & what it means for your retirement.
- [When Should You Claim Social Security? The Break-Even Math That Changes Everything](https://creativefinancialgrp.com/when-should-you-claim-social-security-the-break-even-math-that-changes-everything/) - Claiming Social Security at 62 vs. 67 vs. 70 is one of the biggest financial decisions you'll make. Here's how a retirement planner thinks through the math — and why the answer isn't what most people assume.
- [IRMAA 2026: The Medicare Surcharge That Quietly Drains Retirement Income](https://creativefinancialgrp.com/irmaa-2026-the-medicare-surcharge-that-quietly-drains-retirement-income/) - If your income in 2024 was over $109,000 (single) or $218,000 (joint), you're paying IRMAA surcharges in 2026. Most retirees don't see it coming. Here's what to know.
- [How to Reduce Required Minimum Distributions (RMDs) Before Age 73](https://creativefinancialgrp.com/how-to-reduce-required-minimum-distributions-rmds-before-age-73/) - Forced withdrawals from your IRA can create a surprise tax bill at 73. Here's how a CPA retirement planner helps clients reduce their RMDs before they ever begin
- [2021 Outlook: Wealth Managers Weigh In](https://creativefinancialgrp.com/2021-outlook-wealth-managers-weigh-in/) - While challenges likely still lie ahead, there’s no denying we all weathered our fair share of storms in 2020. Now that the calendar has turned to a new year, we looked to wealth managers across the nation to find out what they’re expecting for 2021. As you’ll see, the answer often changes depending on where
- [What the Stimulus Could Mean for Investors](https://creativefinancialgrp.com/what-the-stimulus-could-mean-for-investors/) - Millions of Americans have embraced the new relief money resulting from the $1.9 trillion America Rescue Plan. They’ve been able to pay for utilities and put food on the table while looking for employment. Those who maintained their jobs throughout the pandemic have embraced the payout as well, but for different reasons. For them, it’s
- [The 2025 Tax Law Just Changed the Game for Retirees and High-Income Taxpayers](https://creativefinancialgrp.com/the-2025-tax-law-just-changed-the-game-for-retirees-and-high-income-taxpayers/) - Congress passed major tax legislation on July 4, 2025 — formally known as H.R. 1 or PublicLaw 119-21 — and it’s reshaping how individuals and families should think about long-termtax planning. While much of the media coverage focused on political implications, thepractical impact issubstantial forretirees, business owners, and high-incomehouseholds.Here are four of the most important
- [The Hidden Purpose of the Tax Code: It’s Not Just About Revenue](https://creativefinancialgrp.com/the-hidden-purpose-of-the-tax-code-its-not-just-about-revenue/) - Most people assume that the federal income tax code exists simply to fund the government. In reality, the tax code is a tool to influence behavior—shaping industries, investments, and even personal financial decisions. If you know how to read between the lines, you’ll see that the government isn’t just collecting revenue; it’s strategically rewarding activities
- [Retirees Beware: Your Social Security Isn’t Safe from Tax Hikes](https://creativefinancialgrp.com/retirees-beware-your-social-security-isnt-safe-from-tax-hikes/) - If you’re retired—or planning to be soon—you may assume your Social Security benefits aresafe. After all, you spent decades paying into the system. But here’s the uncomfortabletruth: your benefits are more exposed to taxation than ever before, and most retirees areunaware of how vulnerable they truly are.Many people believe Social Security is a tax-free income
- [Divorcing After 50? Don’t Let a Bad Situation Derail Your Retirement Plans](https://creativefinancialgrp.com/divorcing-after-50-dont-let-a-bad-situation-derail-your-retirement-plans/) - Divorce is difficult at any age, but if you\'re over 50 and nearing retirement, the financialimpact can be even more significant. Suddenly, the roadmap you’ve been following —shared savings, retirement income projections, long-term tax strategies — gets upended.But while the emotional and financial toll is real, this doesn’t have to ruin your retirement.If you’re facing
- [Warren Buffett’s Retirement: The End of an Era and the Timeless Lessons He Leaves Behind](https://creativefinancialgrp.com/warren-buffetts-retirement-the-end-of-an-era-and-the-timeless-lessons-he-leaves-behind/) - In 2025, Warren Buffett officially announced his retirement as CEO of Berkshire Hathaway, marking the end of one of the most iconic careers in financial history. At 94 years old, Buffett steps away from day-today leadership, leaving behind not only an investment track record that may never be replicated, but also a lifetime of wisdom
- [How to Choose the Best Financial Advisors in Indianapolis for Your Future](https://creativefinancialgrp.com/how-to-choose-the-best-financial-advisors-in-indianapolis/) - Choosing the right financial advisor is one of the most critical decisions you can make for your financial future. Whether you’re looking to secure your retirement, build wealth, or minimize taxes, having a trusted advisor can be the key to achieving your long-term financial goals. This is especially true in a city like Indianapolis, where
- [8 Ways Retirees Can Get Money Back from the IRS in 2026](https://creativefinancialgrp.com/8-ways-retirees-can-get-money-back-from-the-irs-in-2026/) - Discover 8 ways retirees can get money back from the IRS in 2026, including new tax law changes, credits, deductions, and refund strategies.
- [Why It's Time to Measure What Matters in Your Retirement?](https://creativefinancialgrp.com/why-its-time-to-measure-what-matters-in-your-retirement/) - I usually talk about the intricacies of retirement planning—tax strategies, investment management, and asset allocation. But today, I want to step beyond the numbers and focus on something equally crucial: measuring what truly matters in your retirement. Warren Buffett once said, “The best investment you can make is in yourself” (Buffett, 2019). While this advice
- [Roth IRAs: A Great Tool for Investors Looking for Tax Efficiency](https://creativefinancialgrp.com/roth-iras-a-great-tool-for-investors-looking-for-tax-efficiency/) - One of the best things a financial adviser can do for you is provide strategies that can help preserve your assets against risk. Most commonly, people think of diversifying their investments. But it’s not enough to diversify only your investments; you should also diversify your assets in tax-efficient accounts. The Roth IRA provides a great
- [Unexpected Problems Can Hurt Your Retirement](https://creativefinancialgrp.com/unexpected-problems-can-hurt-your-retirement/) - As they look ahead to the future, too many retirement-minded investors simply haven’t paid enough attention to the setbacks and problems that can damage their plans and dreams for retirement. Frankly, too many investors don’t even know how to start their retirements by making smart decisions about turning on their Social Security benefits, pensions and
- [6 Mistakes to Avoid When Planning Your Retirement](https://creativefinancialgrp.com/6-mistakes-to-avoid-when-planning-your-retirement/) - When we’re young, we tend to think about retirement as though it’s just a really long, really great vacation. We picture a house near the beach or a golf course. We can get out of bed when we please, stay up all night if we want, and never worry about another missed deadline. A frosty
- [Roth IRA: Convert Now or Pay Later?](https://creativefinancialgrp.com/roth-ira-convert-now-or-pay-later/) - The wait is over. If you were delaying your plans to do a Roth conversion until you knew for sure that President Trump could deliver on his tax cut promises, you have your answer. Now is the time. And the clock may be ticking. It’s likely these low tax rates won’t last until you retire
- [Roth vs. Traditional IRA: Retirement and Estate-Planning Advantages](https://creativefinancialgrp.com/roth-vs-traditional-ira-retirement-and-estate-planning-advantages/) - It would be nice if the Roth IRA had been around long as the traditional IRA. Imagine the long-term benefits of tax-free growth throughout a 40-year career. Annual contribution limits for IRAs are relatively low ($6,000; $7,000 for 50-plus), but the Roth is a good complement for investors who also contribute to an employer-based retirement
- [College Savings: An Update](https://creativefinancialgrp.com/college-savings-an-update/) - Congress is known for passing enormous bills with lots of little-known provisions that are not entirely central to the key objectives of the bill. Alas, the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 is one of them. It contains changes to how students and parents apply for student aid via the Free Application
- [What is Investing on Margin?](https://creativefinancialgrp.com/what-is-investing-on-margin/) - This year, investors are making record-high margin investments against their accumulated assets. According to FINRA, margin debt had reached $847 billion by the end of April.1 Much of this activity is fueled by low interest rates and rising stock prices, making leverage investing more appealing. However, investing on margin poses significant risks. You can purchase
- [Young People: Who Said You Have To Be Wealthy To Invest?](https://creativefinancialgrp.com/young-people-who-said-you-have-to-be-wealthy-to-invest/) - Young adults have weathered difficult times the past two decades: mass school shootings, extreme weather conditions, student loan debt, and a global pandemic. But now they’re witnessing an unprecedented job market, where even those with little to no work experience can dictate their own terms. It’s important that we steer our young adults to good
- [How Investments Make Money](https://creativefinancialgrp.com/how-investments-make-money/) - Historically, investing has proven itself an excellent way to increase your wealth over time. It is strongly favored over basic savings accounts by financial experts and advisors around the world. Investing has the potential to bring financial goals like owning a home and retirement within reach. But how exactly does the concept of ‘investing’
- [Personal Savings Rates](https://creativefinancialgrp.com/personal-savings-rates/) - Everyone knows that saving money is a good idea, but many are unclear about how much they should really be putting away. Building up a nest egg is a generally accepted concept, but many people simultaneously struggle to manage their current expenditures and save for the future. Your personal savings rate is an excellent,
- [Why Retirement Planning is Important](https://creativefinancialgrp.com/why-retirement-planning-is-important/) - We all dream of it, the golden years when we can finally sit back, relax, and enjoy our coveted retirement. For some, it might include beachside cocktails; for others, it could be a standing tee time at their favorite golf course. Dreaming is one thing; making it a reality is another. You likely don’t
- [What Does Tax Deferred Mean](https://creativefinancialgrp.com/what-does-tax-deferred-mean/) - It goes without saying that nobody is a fan of paying taxes, and if given a choice, most people would hold off forking over the money for as long as humanly possible. The good news is that there is a way to put off the inevitable, and you can even take advantage of substantial savings
- [Difference Between Roth IRA and 401K](https://creativefinancialgrp.com/what-is-a-financial-advisor-2/) - For many years, the only choice for a retirement savings account was the 401K. In 2006 the Roth IRA was introduced, giving companies and employees an alternative. At first glance, these savings accounts appear very similar, but a deeper look will unveil critical differences between them. Selecting the appropriate account could equate to thousands or
- [What Is a Financial Advisor](https://creativefinancialgrp.com/what-is-a-financial-advisor/) - If you want to get your finances and retirement in order, you need to organize and formulate a solid strategy to achieve those goals. This is a daunting task that many people are either unwilling or incapable of taking on; that’s where financial advisors come in. They can help you grow wealth, invest strategically, mitigate
- [When Can You Withdraw From 401K](https://creativefinancialgrp.com/when-can-you-withdraw-from-401k/) - 401Ks are tax-advantaged retirement savings accounts, and many people contribute money to them every single year. Sometimes employers will match those contributions, creating the potential for you to build up a significant nest egg with a 401K. Equally important as putting money into the account is knowing when the best time is to make
- [How to Calculate Net Worth](https://creativefinancialgrp.com/how-to-calculate-net-worth/) - One of the most useful and commonly evaluated financial metrics is net worth. Net worth is the value of everything you own, including financial and non-financial assets, minus everything you still owe, otherwise known as your liabilities. The higher your net worth, the better your financial status. Your net worth is an excellent indicator
- [Avert a Tax Surprise in Retirement: Get Ready With a Roth](https://creativefinancialgrp.com/avert-a-tax-surprise-in-retirement-get-ready-with-a-roth/) - When you think about planning for a successful retirement, what’s the first thing that pops into your head? If you’re like a lot of people I’ve met with over the years, your focus is probably on saving enough so you can feel confident and free to do the things you want to do. What folks
- [How to Build Your Financial House From the Foundation Up](https://creativefinancialgrp.com/how-to-build-your-financial-house-from-the-foundation-up/) - When you draw up your financial blueprint, you’ll want the result to weather economic storms, risks that come with aging and other changes in your life. If you’re a fan of home improvement shows, you know how this goes: The clients, usually a couple hoping to build, buy or renovate a home, are mostly focused
- [A Medicare Surcharge That Might Surprise You If You’re Not Careful](https://creativefinancialgrp.com/a-medicare-surcharge-that-might-surprise-you-if-youre-not-careful/) - Who out there has heard of IRMAA? Likely, not many. When I hold seminars and ask who’s heard of IRMAA, few people raise their hands. For those who haven’t and are getting closer to Medicare eligibility (age 65 is the earliest unless you have a disabling medical condition), it’s worth your while to pay attention.
- [What to Look for in a Financial Advisor](https://creativefinancialgrp.com/what-to-look-for-in-a-financial-advisor/) - Hiring a financial advisor should be taken seriously; after all, they will be privy to some of your most personal information. The financial world is incredibly complex, and advisors come in all shapes and sizes. Nearly anyone can technically call themselves an advisor, but their knowledge and expertise can significantly vary. You should give
- [Are Financial Advisors Fiduciaries?](https://creativefinancialgrp.com/are-financial-advisors-fiduciaries/) - Financial decisions are some of the most important ones we make in our lifetime. Purchasing a home, investing in the stock market, and planning for retirement are just some of the significant events that can shape our future. Many people want to be guided in those decisions and seek the assistance of a financial advisor.
- [Retirement Checklist](https://creativefinancialgrp.com/retirement-checklist/) - The countdown is on, retirement is fast approaching, and finally, you will get to enjoy the time you have worked so hard for all these years. Even if you were on top of your retirement planning from an early age or were a bit of a late bloomer when it came to saving, there are
- [How To Build Wealth in Your 50s](https://creativefinancialgrp.com/how-to-build-wealth-in-your-50s/) - Not everyone starts saving for retirement at the same time. Of course, the earlier, the better, but it is never too late to get on track. For many Americans, hitting the 50-year mark triggers a shift in mentality regarding their finances. Retirement is fast approaching, and you want to ensure you have enough money when
- [How to Invest for Retirement](https://creativefinancialgrp.com/how-to-invest-for-retirement/) - With the cost of living and the average life expectancy both on the rise, retirement planning has become more critical than ever. Everyone knows that they should start saving for retirement as soon as possible, but many people struggle with knowing how and where to invest their money. Putting money away is just the
- [Navigating Financial Changes in 2024: A Guide to Smart Investments](https://creativefinancialgrp.com/navigating-financial-changes-in-2024-a-guide-to-smart-investments/) - As we step into 2024, the financial landscape is evolving rapidly. For our clients who have already accumulated significant wealth, navigating these changes requires strategic planning and informed decisions. At Creative Financial Group, we\'re committed to guiding you through these transitions with a focus on preserving and growing your wealth, optimizing retirement plans, and minimizing
- [The Importance of Long-Term Tax Planning for Retirement](https://creativefinancialgrp.com/the-importance-of-long-term-tax-planning-for-retirement/) - As a seasoned financial professional, I have witnessed firsthand the transformative power of strategic long-term tax planning for individuals nearing retirement. Properly managed, such planning can pave the way to a tax-free retirement, providing peace of mind and financial security in your golden years. In this blog, we will explore essential strategies to optimize your
- [Crucial Role of Risk Management in Retirement Planning](https://creativefinancialgrp.com/crucial-role-of-risk-management-in-retirement-planning/) - When planning for retirement, one of ten overlooked aspect that can significantly affect an individual\'s financial health is risk management, particularly understanding the sequence of returns. This concept isn\'t just about the average returns on investments, but more importantly, when these returns occur within an individual\'s retirement timeline. The sequence of returns can dramatically alter
- [Navigating the Future with a Solid Tax Plan: 5 Essential Strategies](https://creativefinancialgrp.com/navigating-the-future-with-a-solid-tax-plan/) - Tax planning might seem like a task for the present, but its true value unfolds over the years. An effective tax plan doesn’t just save you money this year—it sets the foundation for financial security well into the future. Here are five essential strategies to ensure your tax plan is robust and responsive to the
- [The Tragic Tale of Lost Legacy: How to Safeguard Your Wealth for Future Generations](https://creativefinancialgrp.com/the-tragic-tale-of-lost-legacy-how-to-safeguard-your-wealth-for-future-generations/) - James, a dedicated and hardworking accountant, spent his entire career meticulously planning for a comfortable and prosperous retirement. After decades of diligent saving and investing, James finally retired with a substantial nest egg. However, tragedy struck just three years into his retirement, and James passed away unexpectedly, leaving behind a fortune to his two children.
- [The Hidden Costs of Retirement: Why Tax Planning Matters More Than Ever?](https://creativefinancialgrp.com/the-hidden-costs-of-retirement-why-tax-planning-matters-more-than-ever/) - Retirement is often painted as a picture of freedom—traveling the world, spending time with family, or finally picking up that hobby you’ve always dreamed of. But for high-net-worth retirees, there’s a hidden obstacle that can derail those dreams: taxes. Let’s be clear—if you’ve done the hard work of building a seven-figure retirement account, congratulations. But
- [Don’t Leave Money on the Table: 2025 Tax Planning Updates You Need to Know Now](https://creativefinancialgrp.com/dont-leave-money-on-the-table-2025-tax-planning-updates-you-need-to-know-now/) - Maximize your tax savings and retirement contributions with these essential 2025 updates. Stay ahead of the game with accurate limits, deadlines, and strategies to boost your financial future. 1. Individual Retirement Accounts (IRAs) Contribution Limits: For 2025, the contribution limit for both Traditional and Roth IRAs remains at $7,000. Individuals aged 50 and over can make
- [California Wildfires: A Turning Point for Homeowners Insurance](https://creativefinancialgrp.com/california-wildfires-a-turning-point-for-homeowners-insurance/) - The recent surge in wildfires across California is not just an environmental crisis—it’s reshaping the landscape of homeowners insurance across the nation. What’s Changing? Insurance companies are reassessing their risk exposure due to the increasing frequency and severity of wildfires. This shift could lead to: Higher Deductibles: Policies may now come with deductibles of $25,000 or
- [Is it Time for a Value Play?](https://creativefinancialgrp.com/is-it-time-for-a-value-play/) - The transition from growth to value and back to growth stocks often accelerated during the pandemic. Growth-oriented stocks usually outperform when the economy is on the rise. Therefore, growth stocks took the path of the coronavirus: They tanked during the lockdown, they rose again when the economy reopened and then stumbled again until vaccines were
- [How to Evaluate a Stock](https://creativefinancialgrp.com/how-to-evaluate-a-stock/) - There are moments in history when people have claimed investment choices don’t matter because if the market is up across the board, you cannot fail. That is not true. In fact, that should never be guiding financial advice. However, there is no doubt that the market has been up for many years — notwithstanding the
- [Savings Strategies](https://creativefinancialgrp.com/savings-strategies/) - Some people have no trouble saving money — they stash away any cash they don’t need, and their account grows and grows. These people usually aren’t very materialistic and don’t have a lot of goals that require money to fulfill. That’s a wonderful trait, in some ways. However, there’s nothing wrong with setting up specific
- [How Inflation Risk Can Affect You](https://creativefinancialgrp.com/how-inflation-risk-can-affect-you/) - Inflation is a steady rise in the price of goods and services over time and actually signals both good and bad economic conditions. On one hand, as prices rise, someone living on a fixed income cannot purchase the same amount of goods, so they tend to reduce spending or buy cheaper alternatives. On the other
- [Sustainably Investing in Our Future](https://creativefinancialgrp.com/sustainably-investing-in-our-future/) - While extreme weather events typically affect only certain parts of the country, there is increasing concern that climate change will affect the overall economy – including our investment portfolios. For this reason, the federal government is making composition changes to the Thrift Savings Plan (TSP), the retirement plan for federal employees. The TSP currently holds
- [Status Update: Young Adults in America](https://creativefinancialgrp.com/status-update-young-adults-in-america/) - Over the past 20 years, America’s young adults have experienced significant unemployment, massive student debt, extreme weather events, a global pandemic, a contentious political environment and dramatic socio-economic turmoil. Not that these things didn’t happen in previous generations, but today’s young adult is far more involved and aware due to the 24-hour news cycle and
- [Market Thoughts: Looking Ahead and Abroad](https://creativefinancialgrp.com/market-thoughts-looking-ahead-and-abroad/) - The mid-year U.S. economic recovery numbers look strong. On Wall Street, analysts predict that our economy will expand by trillions of dollars and create 2 million good-paying jobs throughout the next 10 years. However, despite nearly 1 million jobs reported in July alone, the White House cautioned that the resurgence in COVID-19 cases among unvaccinated
- [RMDs in 2021](https://creativefinancialgrp.com/rmds-in-2021/) - Last year, the Setting Every Community Up for Security Enhancement (SECURE) Act increased the age for required minimum distributions (RMDs) from 70½ to 72. The purpose of RMDs is to spread out the tax burden associated with the years of tax-deferred earnings investors accrued in qualified retirement plans.1 If you expect RMDs to be an
- [Reshoring: What’s the Future for Products and Services Made in America?](https://creativefinancialgrp.com/reshoring-whats-the-future-for-products-and-services-made-in-america/) - According to a recent survey of supply chain professionals, the COVID-19 pandemic interrupted 98% of global supply chains. Among the most disruptive supply challenges was the procurement of personal protective equipment, pharmaceuticals and semiconductors. Companies that had outsourced manufacturing to other countries experienced firsthand the types of risks associated with offshoring. The previous administration placed
- [Midyear Market Outlooks](https://creativefinancialgrp.com/midyear-market-outlooks/) - In its midyear review, market analysts at Charles Schwab say that economic growth in the United States may have peaked in the second quarter of this year, and it believes China experienced its peak in the fourth quarter of 2020. However, Schwab is bullish on Europe’s prospects for the rest of this year. It notes
- [Putting Inflation Expectations in Perspective](https://creativefinancialgrp.com/putting-inflation-expectations-in-perspective/) - Historically, inflation has been highly correlated with unemployment levels. When more people were out of a job, inflation was lower. As more people got jobs, inflation increased. From an economic point of view, this makes sense. Jobs increase income, which increases spending, which increases demand — supplies drop and prices rise. The opposite is true
- [Retirement Withdrawal Strategies](https://creativefinancialgrp.com/retirement-withdrawal-strategies/) - As hard as retirement saving and investing may seem, that’s the easy part. The real challenge is figuring out how to make your accumulated savings last throughout your and your spouse’s retirements. You need a strategy, and it’s best to have that strategy developed before retirement begins. Because life expectancy is longer these days, many
- [Demographics differing on retirement plans](https://creativefinancialgrp.com/demographics-differing-on-retirement-plans/) - According to PwC’s recent Retirement in America report, the median retirement savings among people ages 55 to 64 is $120,000. Unfortunately, that likely would provide less than $1,000 per month for a retiree, for only 15 years.1 There’s an interesting dichotomy among demographics when it comes to retirement planning these days. There are those who
- [All About RMDs](https://creativefinancialgrp.com/all-about-rmds/) - There really is a purpose behind required minimum distributions (RMD) of tax-advantaged retirement accounts. IRAs and employer-sponsored retirement plans feature tax-deferred income contributions and earnings growth throughout the lifetime of the account. There’s just one catch — when you take money out of that account, it then gets taxed at ordinary income tax rates. Some
- [How Infrastructure Spending Affects Municipal Bonds](https://creativefinancialgrp.com/how-infrastructure-spending-affects-municipal-bonds/) - According to the American Society of Civil Engineers, the 10-year tab to meet the country’s basic infrastructure needs is about $6 trillion. The report, published in March, includes $125 billion needed for bridge repairs, $435 billion for roads and $176 billion for the nation’s transportation systems.1 For more than 200 years, municipal bonds have been
- [Tax Strategies](https://creativefinancialgrp.com/tax-strategies/) - In an effort to pay for new legislation, the Biden administration has proposed higher taxes for the nation’s highest earners. The president advocates returning the top tax rate to 39.6% for individuals earning $452,700 or more, and married couples with more than $509,300 in combined taxable income.1 This top tax rate was just reduced in
- [The Labor Market in the Post-Pandemic Era](https://creativefinancialgrp.com/the-labor-market-in-the-post-pandemic-era/) - According to the most recent Future of Jobs Report by the World Economic Forum, 50% of employees will need new skills training by 2025 as the pace of technological innovation continues to grow. Among business leaders, 94% say they expect employees to learn new skills while on the job, compared to just 65% who made
- [Survival of the Fittest](https://creativefinancialgrp.com/survival-of-the-fittest/) - The coronavirus pandemic worsened income and wealth disparity in the U.S.1 However, if you were on a good path for retirement planning and financial stability, chances are you were in the group that came out ahead. According to the latest Retirement Confidence Survey by the Employee Benefit Research Institute (EBRI), a majority of retirees and
- [What’s Driving Oil Prices?](https://creativefinancialgrp.com/whats-driving-oil-prices/) - Oil prices are influenced by supply and demand, and 2020 was a great demonstration of this principle. With global and local shutdowns due to the spread of the coronavirus, there was less demand for products and services. While online shopping was up, foot traffic in stores languished and retailers – both local and nationwide –
- [Gen X Prepares to Ascend the Throne](https://creativefinancialgrp.com/gen-x-prepares-to-ascend-the-throne/) - Generation X, comprised of adults between the ages of 40 and 55, have entered their prime earning years while at the same time enjoying a bull market for stocks. This demographic represents about a quarter of households in the U.S. (26.8%) and a similar share of household net worth (26.9%). However, many economists see Gen
- [Investment Consolidation Strategies](https://creativefinancialgrp.com/investment-consolidation-strategies/) - Throughout investment industry and financial media sources we constantly hear the message that our money should be diversified. By spreading assets throughout a number of different vehicles, we can take advantage of various market opportunities while helping protect them from some investment risks. But how much diversification is too much? And what exactly should it
- [Social Security Proposals and Strategies](https://creativefinancialgrp.com/social-security-proposals-and-strategies/) - As the Social Security Trust Fund approaches its expiration date, many existing entities are offering helpful suggestions for funding alternatives. For example, the Association of Mature American Citizens (AMAC) recommends a combination of changing how cost of living adjustments are made, delaying retirement age and updating the delayed credit strategy. Among its proposals, the AMAC
- [Updates on FSAs and HSAs](https://creativefinancialgrp.com/updates-on-fsas-and-hsas/) - A recent survey found that 40% of respondents with access to a health savings account (HSA) do not fully understand how they work. Basically, HSAs are paired with high-deductible health plans to help people save money for their plan’s high deductible, copayments and other qualified expenses. However, the real value of an HSA lies in
- [New Status on Pension Plans](https://creativefinancialgrp.com/new-status-on-pension-plans/) - Financial professionals and economists have been talking about the “graying of America” and the retirement crisis for at least a couple of decades. Now, it seems, things have reached a tipping point. Even labor union workers, largely beneficiaries of rich benefits and pension plans, have been hit hard. Throughout the past century, unions set up
- [Tax Topic: Qualified Business Income Deduction](https://creativefinancialgrp.com/tax-topic-qualified-business-income-deduction/) - One of the provisions included in the Tax Cuts and Jobs Act of 2017 was the Qualified Business Income (QBI) deduction. It is designed as a tax break for small businesses or self-employed individuals and is comparable to the enhanced tax breaks legislated for larger companies. However, while the corporate tax changes are made permanent,
- [Warren Buffett’s Annual Shareholder Letter](https://creativefinancialgrp.com/warren-buffetts-annual-shareholder-letter/) - Every year, Berkshire Hathaway’s Chairman and CEO Warren Buffett sends a thoughtfully crafted letter to the company’s shareholders from which the investment industry gleans whatever newfound wisdom possible. Given that 2020 was an unusual year by economic, social and financial standards, there is much to glean. Despite the difficulties the U.S. has experienced in managing
- [Annuity Insights](https://creativefinancialgrp.com/annuity-insights/) - Annuity Insights The Insured Retirement Institute (IRI) – a trade association for the retirement income industry – advocates annuities as a vehicle that can help provide retirees income, guaranteed by the insurer. The organization has been actively educating and lobbying legislators to expand annuity access as part of employer-sponsored retirement plans.1 Under this scenario, whatever
- [Can Money Buy Happiness?](https://creativefinancialgrp.com/can-money-buy-happiness/) - In 2010, a study was published by two Nobel prize-winning economists purporting that people with more money feel better about their lives. However, that held true only up to an annual salary of $75,000 ($90,000 in today’s dollars). Past the $75k threshold, people weren’t necessarily any happier. That scenario has apparently changed in the ensuing
- [That Pesky Early Withdrawal Penalty: It’s There for a Reason](https://creativefinancialgrp.com/that-pesky-early-withdrawal-penalty-its-there-for-a-reason/) - One way for the government to potentially earn more tax revenue is by eliminating the early withdrawal penalty. This is the typical 10%-tax penalty on distributions from retirement accounts by people younger than age 59 ½.1 If that penalty didn’t exist, investors may be more inclined to pull money out of their retirement accounts, whether
- [Is the Market Poised for a Value Shift?](https://creativefinancialgrp.com/is-the-market-poised-for-a-value-shift/) - The stock market continues to exhibit resiliency in the face of disrupting factors, ranging from a global pandemic to a severe economic decline to a controversial presidential election. For many years, Wall Street analysts warned a market correction was long overdue. Despite intermittent volatility, those concerns largely have not borne out. You may be tired
- [Retirement Planning Insights](https://creativefinancialgrp.com/retirement-planning-insights/) - Amid lost jobs and a scaled-back economy in 2020, some workers may have decided to retire earlier than planned. There are a couple of Social Security strategies worth considering in this scenario. First, if both spouses are over age 62, determine if you can make ends meet by taking only one Social Security benefit while
- [What Is The Value of a CEO Pledge?](https://creativefinancialgrp.com/what-is-the-value-of-a-ceo-pledge/) - As it turns out, the value of the 2019 pledge signed by 181 U.S. corporate CEOs was a fairly good deal for themselves and their shareholders … although less so for the other stakeholders it was designed to represent. In the past, private companies thought little of the injustice of layoffs and reducing compensation packages
- [Pandemic Highlights the Difference Between Economics and Finance](https://creativefinancialgrp.com/pandemic-highlights-the-difference-between-economics-and-finance/) - One of the more glaring lessons of the 2020 pandemic was that the economy and the stock market are not the same thing, nor do they necessarily move in lockstep. They are measurements of two different things, often indicating how the other will react. However, as we saw last year, the economy is a greater
- [Vaccines and the Stock Market](https://creativefinancialgrp.com/vaccines-and-the-stock-market/) - If there’s one thing that can move the economy and stock market forward, it’s hope. This year, that hope is being presented in the form of COVID-19 vaccines. Economists and Wall Street analysts have long proclaimed that comprehensive economic recovery is not possible until we have contained the virus. The prospect of wide distribution of
- [When To “Buy Low”](https://creativefinancialgrp.com/when-to-buy-low/) - The beginning of the year is typically full of hope. We make New Year’s resolutions, and it may take a few months for our enthusiasm (and vigilance) to wane. There’s also the “January Effect,” when the stock market generally gets a performance boost thanks to tax harvesting in December and subsequent reinvestments. But even that
- [The Pros and Cons of Corporate America’s Remote Work Trend](https://creativefinancialgrp.com/the-pros-and-cons-of-corporate-americas-remote-work-trend/) - Post-pandemic, will everyone go back to the office like nothing ever happened? Will lost jobs be recovered? Or is remote work and skeleton staffing a trend here to stay? A recent survey of company leaders revealed that eight in 10 plan to allow employees to work outside the office at least part time going forward.
- [How To Help Maximize Social Security Benefits](https://creativefinancialgrp.com/how-to-help-maximize-social-security-benefits/) - There are good reasons to delay starting Social Security benefits, but there are also good reasons to begin them early. It really does depend on your circumstances. If you claim earlier than your full retirement age (FRA), your benefit will be permanently reduced. The age to qualify for the full Social Security benefit varies by
- [Global Recovery in a Post-Pandemic World](https://creativefinancialgrp.com/global-recovery-in-a-post-pandemic-world/) - In 2020, the World Economic Forum published its annual Global Competitiveness Report, as usual. However, in light of the global pandemic, it put its long-standing Global Competitiveness Index rankings on hold. Instead, the report focused on priorities for recovery and revival instead of competition.1 Indeed, economic globalization over the past two decades, in many ways,

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