Safe Haven $olutions

Trump’s New Tax Bill

Tax policy often feels like background noise, until it directly affects your retirement. The recent passage of President Trump’s “One Big Beautiful Bill” in the House is one of those moments. While the bill still awaits Senate approval, its sweeping tax changes and spending cuts could have significant implications for retirees and pre-retirees. Here’s what you need to know.
 
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Keys to Conservative Investing Today

In a world where market swings, credit downgrades, and rising interest rates make headlines, it’s easy to wonder what role conservative investing still plays in retirement. But for many retirees and pre-retirees, preserving what they’ve worked so hard to build is their main priority. Conservative investing isn’t just a mindset, it’s a strategy that when done right, can create stability, income, and peace of mind in retirement. Let's discuss!
 
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Moody’s Downgrades US Bonds

There are moments in the financial world that may not cause immediate panic, but should spark thoughtful reflection. Moody’s recent decision to downgrade its outlook on U.S. Treasury bonds is one of those moments. It’s not about headlines meant to scare; it’s about understanding the long-term implications and the ripple effects for those planning their retirement. Here’s what you need to know…
 
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How to Plan for College Expenses

For many, college is an expensive yet necessary cost. However, the cost of college has significantly increased, so people turn to family for support in financing it. As this becomes the new norm, its increasingly important to take advantage of college-saving tools and strategies. Let's discuss!
 
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Costly Retirement Tax Mistakes

When building or adjusting your tax strategy, there are key mistakes to avoid that could set you back. So let’s jump into some common tax missteps so you can plan around them accordingly.
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Refresher on Tax Brackets for 2025

Taxes could be one of your largest retirement expenses… but they also might be more controllable once you enter retirement. Tax treatment for IRAs, 401(k)s, and Social Security may be different than standard income, and how you strategically manage your savings in preparation for retirement could mean preventing a taxable event. Let's dive in!
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The 2025 Social Security COLA

The Social Security Administration often provides cost-of-living adjustments. Now, you might be happy about lower inflation levels and general price stability, but if you were counting on another large increase to your Social Security check, you might be realizing you have to change your plans… so let’s discuss!
 
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Mistakes to Avoid with Insurance in Retirement

Insurance can be a powerful tool in retirement if you use it wisely. But overlooking the fine print, or buying the wrong coverage can lead to expensive mistakes. From gaps in healthcare coverage to underestimating long-term care costs, retirees often miss key details that matter. Today, we’re unpacking the most common insurance missteps and how to avoid them.
 
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Understanding Annuities for Your Retirement

Planning for a stable retirement isn’t just about saving, it’s about turning those savings into reliable income. That’s where annuities come in. They offer a way to protect your nest egg, create steady income for life, and tailor your plan to fit your goals. Whether you’re looking to guard against market volatility or leave something behind for loved ones, annuities can provide powerful solutions. 
 
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How Life Insurance Can Support Retirement

A secure retirement isn’t just about what you’ve saved—it’s about how you protect it. Life insurance can help cover final expenses, support your loved ones, or even supplement your income. From tax advantages to legacy planning, understanding your options can make a big difference. Let's discuss!
 
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