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Welcome to the Blue Rock Blog
Pension Versus Lump Sum
Mar 15, 2022
How do you choose – pension or lump sum? Pension payment options are guaranteed for your life, and you don’t have to worry about outliving the money. Lump sum option requires you to take the money, roll it over into an IRA, invest it, and generate cash flows by taking systematic withdraws throughout your life. As a retiree eligible for...
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Financial Planning
Retirement Planning
Why Donor Advised Funds May Be The Best Way To Give
Dec 15, 2021
Donor-Advised Funds are an excellent way to carry out your charitable giving goals. Why are they so beneficial? It’s primarily because of the unique advantages like immediate tax benefits and flexibility concerning cash and non-cash assets. Let’s explore donor-advised funds a little more in-depth to see how they may be a valuable tool for you. The Basics of Donor Advised...
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Financial Planning
Tax Planning
Wills 101: What You Need to Know About Drafting a Will
Nov 4, 2021
How do you want your possessions to be transferred when you’re no longer here to make decisions? Many times, we focus solely on accumulation. Growing within our role, achieving our goals, and completing what seems like a never-ending to-do list. Rarely, do we take the time to plan for our death. What happens then? All that you’ve collected will be...
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Financial Planning
Retirement Planning
Risk Management
Tax Planning
How To Improve The Tax-Efficiency of Your Estate Plan
Jun 9, 2021
Estate planning is a critical component to your entire financial plan. It’s a testament to your life’s work and legacy. To safeguard your estate for years to come, it must also be tax efficient. Let’s look at key ways you can make your estate plan more tax-friendly. ...
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Financial Planning
Retirement Planning
Tax Planning
When’s The Right Time To Take Your Social Security Benefits?
Apr 15, 2021
Social Security plays a pivotal role in your retirement plan. Enroll too early and you could miss out on higher monthly payments but enroll too late and you might not be able to take advantage of that inflated monthly influx. When’s the right time for you to collect? ...
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Financial Planning
Retirement Planning
When Should You Contribute To A Roth 401(k)?
Mar 15, 2021
A Roth 401(k) allows you to save on an after-tax basis and can be an effective tax-planning tool both before and during retirement....
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401(k) plan
Financial Planning
Retirement Planning
Tax Planning
QCDs: A Smart Giving Strategy for Retirees
Dec 15, 2020
Charitable giving plays a crucial role for many retirees. Given the tumultuous impact of the coronavirus pandemic, charities and the people they serve have seen a sharp increase in the need for financial resources; and so far, many donors have risen to the task. Fidelity charitable reported that over half of donors planned to maintain their levels of giving and...
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Retirement Planning
Tax Planning
The Impact of Taxes on Retirement Income
Oct 15, 2020
You’ve spent decades diligently planning and saving for retirement, and while you know at some level that taxes will be deducted from your monthly retirement income, it’s often a relief to understand the ‘bottom line’ when it comes to your retirement income expectations. During your working years, proactive tax planning is a long term strategic approach to minimizing your tax...
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401(k) plan
Financial Planning
Investments
Retirement Planning
Risk Management
Tax Planning
Why Asset Location Matters To Your Portfolio
Jun 14, 2020
In an earlier blog discussing the importance of proactive tax planning, we explained how we integrate tax planning into our clients’ financial plans. Successful tax planning results in more money in your pocket every April, and under normal circumstances, it can significantly reduce your tax burden over your lifetime. In this article, we distinguish between asset location and a more...
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401(k) plan
Financial Planning
Investments
Retirement Planning
Risk Management
Tax Planning
How To Navigate Asset Management and Financial Planning
May 14, 2020
Do you know the difference between asset management and financial planning? If yes, can you articulate why both are a necessary part of an overall wealth management strategy? Today we’ll arm you with the basics and some analogies that make it easier to remember, to educate others, and be sure that your wealth management plan encompasses both. Using the analogy...
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Financial Planning
Retirement Planning
Tax Planning
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