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Retirement

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5 minutes read

Navigating SECURE 2.0 Retirement Reform: Key Changes & Planning Strategies

Retirement savings rules have recently undergone significant changes with the implementation of SECURE 2.0. From age changes for required minimum distributions (RMDs) to more opportunities to save with catch-up contributions, read on to learn some of the fundamental changes from this legislation and...

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4 minutes read

Why Average Rate of Return is Not the Key to Retirement Income Planning

Many investors use the average rate of returns as one of their primary metrics for assessing portfolio performance. In your earning years, the average rate is a useful benchmark because most people are focused on total wealth accumulation. But when you enter retirement, the order in which you expe...

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5 minutes read

Income Tax Planning in Early Retirement: Strategies for HNWIs

Anyone entering retirement must manage the tax implications that come with shifting their primary income source from their employer to other income streams like social security. But for high-net-worth individuals (HNWIs) with robust portfolios, income tax planning can be particularly complex. Retiri...

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6 minutes read

Cash flow in early retirement: Six considerations for high-net-worth individuals

Many people dream of retiring early so they can spend more time with family and their passions outside of work. But early retirement can present some unique risks, even for high-net-worth individuals. To ensure financial goals are met, thoughtful planning is required, particularly when it comes to c...

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4 minutes read

Don’t Let Age Guide Your Retirement Planning

There are many rules of thumb in the world of personal financial planning, particularly when it comes to retirement planning. Some common “rules” are to be more conservative with your money as you get older, or that the percentage of bonds in your portfolio should be equal to your age. These rules m...

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4 minutes read

The Sandwich Generation: Breaking the Cycle to Create Multi-Generational Wealth

“The sandwich generation” is a term used to describe those people who are simultaneously raising children and taking care of their aging parents, all while trying to plan for their own retirement and personal needs. Being sandwiched in between two generations can create an unsustainable financial si...

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5 minutes read

Stock Compensation Strategies: How to Balance Risk and Achieve Tax Efficiency

Many corporate executives receive stock as part of their total compensation package. This not only helps align personal goals and company objectives while rewarding top talent with appreciable assets, but many executives enjoy tying their finances, in part, to their employer. They believe in their c...

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2 minutes read

Opening the back door to tax-free earnings

As covered in our 401(k) – Super Roth article, a Roth IRA offers an attractive tax benefit. But, what do you do if you do not have a 401(k) or your 401(k) does not allow post-tax contributions? The answer is the BackBack-Door Rothdoor Roth which is the conversion from a Traditional to a Roth IRA. B...

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3 minutes read

What Do I Do Now?

Mostly gone are the days where someone spends their entire career working for one company. Talented executives have become “free agents” and can transition between companies as needed. When planned, these job transitions can be an exciting time. Sometimes factors beyond our control force us to end...

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4 minutes read

Rolling over your 401(K)? Consider Net Unrealized Appreciation first

At Granite Harbor Advisors, we believe in helping our clients better understand all of their options so they can make the best decision for their families. To that end, here is a more detailed look at what net unrealized appreciation is and how you can use it to advance your financial goals. What ...

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2 minutes read

Super Fund your Roth IRA for Tax-Free Earnings

United States Army veteran William Victor Roth will forever be remembered for creating one of the most utilized tax-savings tools available. During his 30-year career as a US Senator, he pioneered a new retirement savings vehicle, the Roth Individual Retirement Account (Roth IRA), as part of the Tax...

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3 minutes read

Keys to Effectively Setting and Reaching Goals

Have you heard the saying, “you can do anything if you set your mind to it”? Well, there is a lot of truth to that statement. The real question is, how do we “set our mind to it” effectively? The answer is in effective goal setting. This short article will outline an efficient process for setting an...

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1 minute read

Is This Risk Worth Taking?

Have you ever been faced with a difficult decision? Not sure which way to go because you didn’t fully understand the risks involved? Much like playing cards, there are times where we need to fold, and move on, and there are times where we should stay in the game based on anticipated risks and reward...

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Taxes in Retirement

Taxes will most likely be your largest strain on cash flow as you enter retirement. Having a clear understanding of your current tax situation is half the battle. Being…

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Navigating Early Retirement & Severance

Are you considering early retirement? Did you just receive a severance? Many would love to be able to retire early, but just not sure if they can. There are some…

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Ebooks:

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Retirement

Articles:

Navigating SECURE 2.0 Retirement Reform: Key Changes & Planning Strategies

Why Average Rate of Return is Not the Key to Retirement Income Planning

Income Tax Planning in Early Retirement: Strategies for HNWIs

Cash flow in early retirement: Six considerations for high-net-worth individuals

Don’t Let Age Guide Your Retirement Planning

The Sandwich Generation: Breaking the Cycle to Create Multi-Generational Wealth

Stock Compensation Strategies: How to Balance Risk and Achieve Tax Efficiency

Opening the back door to tax-free earnings

What Do I Do Now?

Rolling over your 401(K)? Consider Net Unrealized Appreciation first

Super Fund your Roth IRA for Tax-Free Earnings

Keys to Effectively Setting and Reaching Goals

Is This Risk Worth Taking?

Videos:

Taxes in Retirement

Navigating Early Retirement & Severance

Ebooks:

Succession Planning Starts Now

Money in Motion

How and Why Wealthy Families Use Life Insurance

Using Life Insurance to Transfer Wealth

Retirement Planning with Purpose and Confidence