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2020-07-25
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HTTP/1.1 200 OKContent-Type: text/html; charsetutf-8Content-Length: 100295Connection: keep-aliveDate: Mon, 26 Jan 2026 19:01:39 GMTVary: Accept-Encodingx-nextjs-cache: STALEX-Powered-By: Next.jsETag: r3g16dmmy425buCache-Control: s-maxage1, stale-while-revalidateX-Cache: Miss from cloudfrontVia: 1.1 4894bef31db1c311602a51393339af0a.cloudfront.net (CloudFront)X-Amz-Cf-Pop: HIO52-P2Alt-Svc: h3:443; ma86400X-Amz-Cf-Id: i7Lv6h7aumvnlNxFJcxeT12PB0k-EjXUHjVKMUx7AxbAmRp7QNyKfQ !DOCTYPE html>html langen>head>meta charSetutf-8/>meta nameviewport contentwidthdevice-width, initial-scale1, maximum-scale1, user-scalable0/>link relshortcut icon href//static.retirementplanning.net/rp/images/rp.ico typeimage/x-icon/>link relstylesheet hrefhttps://cdnjs.cloudflare.com/ajax/libs/font-awesome/6.1.2/css/all.min.css/>link relstylesheet hrefhttps://cdnjs.cloudflare.com/ajax/libs/font-awesome/4.7.0/css/font-awesome.min.css/>link relstylesheet hrefhttps://maxcdn.bootstrapcdn.com/bootstrap/4.0.0/css/bootstrap.min.css/>link relicon href//static.retirementplanning.net/rp/images/rp.ico/>link relshortcut icon href//static.retirementplanning.net/rp/images/rp.ico typeimage/x-icon/>link relcanonical hrefhttps://www.retirementplanning.net/>link hrefhttps://cdnjs.cloudflare.com/ajax/libs/font-awesome/5.9.0/css/all.min.css relstylesheet/>title>Find Top Retirement Planners With Retirementplanning.net/title>meta contentRetirementplanning.net is a trusted retirement planners matching service to help individuals find the most experienced retirement planners to plan and organise their retirement. Explore retirement planning, guides, matching service and more namedescription/>meta namenext-head-count content12/>link relpreload href/_next/static/css/30457a8234dcac9b.css asstyle/>link relstylesheet href/_next/static/css/30457a8234dcac9b.css data-n-g/>noscript data-n-css>/noscript>script defer nomodule src/_next/static/chunks/polyfills-c67a75d1b6f99dc8.js>/script>script src/_next/static/chunks/webpack-25ad1d8f464a5db7.js defer>/script>script src/_next/static/chunks/framework-2c79e2a64abdb08b.js defer>/script>script src/_next/static/chunks/main-164f91e3b1a225f8.js defer>/script>script src/_next/static/chunks/pages/_app-b31cfcf8425bf604.js defer>/script>script src/_next/static/chunks/470-93f60f79bd9f7123.js defer>/script>script src/_next/static/chunks/891-5ab5240424a7eeed.js defer>/script>script src/_next/static/chunks/263-39d81b1234e7c741.js defer>/script>script src/_next/static/chunks/pages/index-445896a7ae08a749.js defer>/script>script src/_next/static/UnE1VY9X2AIjv8mxbtY7K/_buildManifest.js defer>/script>script src/_next/static/UnE1VY9X2AIjv8mxbtY7K/_ssgManifest.js defer>/script>/head>body>div id__next>header stylefont-family:Arial>div classcontainer>div classrow>div classcol-md-9 col-lg-6>div classlogo>a href/>img altLogo src//static.retirementplanning.net/rp/images/retirement-planning-logo.png/>/a>span idslogan>Directory of Professional Retirement Planners/span>/div>/div>div classcol-md-3 offset-lg-3>div classnational-coverage>div classmap float-left>img src//static.retirementplanning.net/rp/images/retirement-planning-map.png altNational Retirement Planning Experts/>/div>p classtop1>span>National Coverage/span>br/> Local Professionals/p>/div>/div>/div>/div>/header>nav>div classcontainer>div classtopnav idmyTopnav>a classactive href/>Home/a>a classactive href/retirement-planners>Retirement Planners/a>div classdropdown>a classdropbtn desktop-sub-menu stylecolor:#fff hrefhttps://www.retirementplanning.net/blog/>Retirement Guide/a>button classhidemobile-menu>Retirement Guide/button>div classdropdown-content category-hide >a classhidemobile-menu hrefhttps://www.retirementplanning.net/blog/>Retirement Guide Homepage/a>button classhidemobile-menu>Blog Categories/button>div classdropdown-content subcategory-hide >a hrefhttps://www.retirementplanning.net/blog/category/retirement-planning-tips>Retirement Planning Tips/a>a hrefhttps://www.retirementplanning.net/blog/category/retirement-plans/>Retirement Plans/a>a hrefhttps://www.retirementplanning.net/blog/category/401k-roth-ira/>401K/ROTH IRAs/a>a hrefhttps://www.retirementplanning.net/blog/category/estate-planning/>Estate Planning/a>a hrefhttps://www.retirementplanning.net/blog/category/retirement-healthcare/>Retirement Healthcare/a>a hrefhttps://www.retirementplanning.net/blog/category/social-security/>Social Security/a>a hrefhttps://www.retirementplanning.net/blog/retirement-calculators/>Retirement Calculators/a>/div>/div>/div>a classactive href/about-us>About Us/a>a classactive href/contact-us>Contact Us/a>button aria-labelresponsive classicon>i classfa fa-bars>/i>/button>/div>/div>/nav>section>div classcontainer>div classrow>div classcol-lg-12 col-md-12 col-12>div classbanner>div classquote text-center>div classtop-left-corner>/div>div classtop-right-corner>/div>h3>FIND A br/>FINANCIAL PLANNERbr/>/h3>p classfinra-text>Free Service | No Obligation to Hire/p>form accept-charsetUTF-8>span>input typetel idzip1 maxLength5 classstd_input required placeholderEnter Zip Code required minLength5 pattern^0-9{5} titleProvided zip code is invalid/>div iderrorzip1 class stylecolor:white;font-size:12px;position:absolute;top:126px;width:100%;margin-left:3px>/div>div>input typesubmit namenext classform_submit valueFind Now >>/>/div>/span>/form>p classsecure>i classfas fa-lock>/i> Your Information is Safe and Secure/p>div classbottom-left-corner>/div>div classbottom-right-corner>/div>/div>/div>/div>/div>/div>/section>section>div classcontainer>div classrow>div classcol-lg-12>div classhome-featured_section>h3>As featured on:/h3>img data-src//static.retirementplanning.net/rp/images/logo-img.jpg altwiserplanner-As featured on class lazyloaded src//static.retirementplanning.net/rp/images/logo-img.jpg/>/div>/div>/div>/div>/section>section classplan-retirement>div classcontainer>div classsection-heading text-center>Why Use a Professional strong>To Plan For Your Retirement?/strong>/div>div classrow>div classcol-md-4>img data-src//static.retirementplanning.net/rp/images/inflation1.webp altinflation classhpimages lazyloaded src//static.retirementplanning.net/rp/images/inflation1.webp/>h3>INFLATION/h3>p>Fluctuating prices can affect the way you spend in retirement. Avoid being caught by surprise.a classconnect-advisor href/match-planners/search-by-zip?kwdconnect-with-an-advisor-btn>Connect with an advisor/a>/p>/div>div classcol-md-4>img data-src//static.retirementplanning.net/rp/images/expenses.webp altexpenses classhpimages lazyloaded src//static.retirementplanning.net/rp/images/expenses.webp/>h3>EXPENSES/h3>p>Routine expenditures can quickly add up. Ensure you take them into consideration in your detailed retirement plan.a classconnect-advisor href/match-planners/search-by-zip?kwdconnect-with-an-advisor-btn>Connect with an advisor/a>/p>/div>div classcol-md-4>img data-src//static.retirementplanning.net/rp/images/health-care.webp althealth-care classhpimages lazyloaded src//static.retirementplanning.net/rp/images/health-care.webp/>h3>HEALTHCARE/h3>p>Establishing a financial cushion to take care of your lifelong mental well-being and good health is vital.a classconnect-advisor href/match-planners/search-by-zip?kwdconnect-with-an-advisor-btn>Connect with an advisor/a>/p>/div>/div>div classrow>div classcol-md-4>img data-src//static.retirementplanning.net/rp/images/taxes.webp alttaxes classhpimages lazyloaded src//static.retirementplanning.net/rp/images/taxes.webp/>h3>TAXES/h3>p>Tax rules and regulations keep changing. Planning for retirement can ensure you reap the maximum benefits.a classconnect-advisor href/match-planners/search-by-zip?kwdconnect-with-an-advisor-btn>Connect with an advisor/a>/p>/div>div classcol-md-4>img data-src//static.retirementplanning.net/rp/images/education.webp alteducation classhpimages lazyloaded src//static.retirementplanning.net/rp/images/education.webp/>h3>EDUCATION/h3>p>Ensuring your child gets quality education is important- start to plan early so you don’t need to draw from your retirement fund.a classconnect-advisor href/match-planners/search-by-zip?kwdconnect-with-an-advisor-btn>Connect with an advisor/a>/p>/div>div classcol-md-4>img data-src//static.retirementplanning.net/rp/images/market-crashes.webp altmarket-crashes classhpimages lazyloaded src//static.retirementplanning.net/rp/images/market-crashes.webp/>h3>MARKET CRASHES/h3>p>Market crashes happen and are unpredikwdble. Having the right retirement plan is key to ensure secure financial future.a classconnect-advisor href/match-planners/search-by-zip?kwdconnect-with-an-advisor-btn>Connect with an advisor/a>/p>/div>/div>/div>/section>section>div classcontainer>div classbottom-form>div classrow>div classcol-md-6 help-advisor>I want to start planning.br/>strong>HELP ME FIND MY PLANNER/strong>/div>div classcol-md-6 find-advisor>form accept-charsetUTF-8>span>input typetext maxLength5 classzip-fill placeholderEnter Zip Code required minLength5 pattern^0-9{5} titleProvided zip code is invalid/>div classhomeMobileError stylecolor:white>/div>div classform-btn>input typesubmit namenext classsubmit data-layer-submit value/>p classsecure secure-info>i classfas fa-lock>/i> Your Information is Safe and Secure/p>/div>/span>div classclearfix>/div>div iderrorzip14 classhomeError stylecolor:white>/div>/form>/div>/div>/div>/div>/section>section classplan-retirement>div classcontainer>div classsection-heading text-center>Why choose a planner!-- --> strong>for your!-- --> a href/match-planners/search-by-zip?kwdhome-page-heading-retirement-planning>retirement planning?/a>/strong>/div>div classrow>div classcol-md-4>img data-src//static.retirementplanning.net/rp/images/need-save.webp altneed-save classhpimages lazyloaded src//static.retirementplanning.net/rp/images/need-save.webp/>h3>GET ADVICE ON HOW MUCH YOU NEED TO SAVE/h3>p>Make the best calculation on how much money you will need based on your individual goals./p>/div>div classcol-md-4>img data-src//static.retirementplanning.net/rp/images/RETIREMENT-ACCOUNTS.webp altRETIREMENT-ACCOUNTS classhpimages lazyloaded src//static.retirementplanning.net/rp/images/RETIREMENT-ACCOUNTS.webp/>h3>IDENTIFY THE RIGHT RETIREMENT ACCOUNTS/h3>p>Gain knowledge of all current retirement plan options available to you and make the right choice./p>/div>div classcol-md-4>img data-src//static.retirementplanning.net/rp/images/GOLDEN-YEARS.webp altGOLDEN-YEARS classhpimages lazyloaded src//static.retirementplanning.net/rp/images/GOLDEN-YEARS.webp/>h3>LIVE YOUR BEST LIFE THROUGH YOUR GOLDEN YEARS/h3>p>Envision your ideal retirement lifestyle and implement plans to make your investment strategy work for you./p>/div>/div>/div>/section>section>div classcontainer>div classsection-heading text-center advisor-heading>Retirement strong>Planners Spotlight/strong>/div>div classadvisor-bg>div classrow>div classcol-md-8>div classcard-title bd-right>div classrow>div classcol-md-3 col-4>img data-srchttps://images.financialadvisor.net/images/sellerimages/112297.jpg idimgProfile altprofile class lazyloaded srchttps://images.financialadvisor.net/images/sellerimages/115178.jpg/>/div>div classcol-md-9 col-8>h2 classd-block profile-name>a href/retirement-planners/florida/clearwater/hoffman-private-wealth-group-steward-partners/1893366>Todd Hoffman/a>/h2>h6 classd-block profile-add>Hoffman Private Wealth Group - Steward Partners/h6>p>600 Cleveland Street!-- --> br/> !-- --> !-- -->Clearwater!-- -->, !-- -->FL!-- --> !-- -->33755/p>div classdesktop>a classprofile-btn href/retirement-planners/florida/clearwater>View more qualified advisors in !-- -->Clearwater!-- -->, !-- -->FL/a>div classclearfix>/div>/div>/div>/div>div classmobile>a classprofile-btn href/retirement-planners/florida/clearwater>View more qualified advisors in !-- -->Clearwater!-- -->, !-- -->FL/a>div classclearfix>/div>/div>/div>/div>div classcol-md-4 d-flex stylealign-items:center>ul classlist-advisor>li>i classfa fa-check-circle>/i> Fee Only financial planner/li>li>i classfa fa-check-circle>/i>Offers a free retirement consultation/li>li>i classfa fa-check-circle>/i>Vetted Financial Planner/li>/ul>/div>div classbd-bottom>/div>/div>/div>div classadvisor-bg>div classrow>div classcol-md-8>div classcard-title bd-right>div classrow>div classcol-md-3 col-4>img data-srchttps://images.financialadvisor.net/images/sellerimages/112297.jpg idimgProfile altprofile class lazyloaded srchttps://images.financialadvisor.net/images/sellerimages/114995.jpg/>/div>div classcol-md-9 col-8>h2 classd-block profile-name>a href/retirement-planners/iowa/des-moines/paradigm-wealth-partners/1893142>Arron Cramer/a>/h2>h6 classd-block profile-add>Paradigm Wealth Partners/h6>p>515 E. Locust Street!-- --> br/> !-- -->Suite 250br/> !-- -->Des Moines!-- -->, !-- -->IA!-- --> !-- -->50309/p>div classdesktop>a classprofile-btn href/retirement-planners/iowa/des-moines>View more qualified advisors in !-- -->Des Moines!-- -->, !-- -->IA/a>div classclearfix>/div>/div>/div>/div>div classmobile>a classprofile-btn href/retirement-planners/iowa/des-moines>View more qualified advisors in !-- -->Des Moines!-- -->, !-- -->IA/a>div classclearfix>/div>/div>/div>/div>div classcol-md-4 d-flex stylealign-items:center>ul classlist-advisor>li>i classfa fa-check-circle>/i> Fee Based financial planner/li>li>i classfa fa-check-circle>/i>Offers a free retirement consultation/li>li>i classfa fa-check-circle>/i>Vetted Financial Planner/li>/ul>/div>div classbd-bottom>/div>/div>/div>div classadvisor-bg>div classrow>div classcol-md-8>div classcard-title bd-right>div classrow>div classcol-md-3 col-4>img data-srchttps://images.financialadvisor.net/images/sellerimages/112297.jpg idimgProfile altprofile class lazyloaded srchttps://images.financialadvisor.net/images/sellerimages/109037.jpg/>/div>div classcol-md-9 col-8>h2 classd-block profile-name>a href/retirement-planners/indiana/carmel/catalyze-wealth-management/1882203>Ryan Veldhuizen/a>/h2>h6 classd-block profile-add>Catalyze Wealth Management/h6>p>550 Congressional Blvd!-- --> br/> !-- -->Suite 350br/> !-- -->Carmel!-- -->, !-- -->IN!-- --> !-- -->46032/p>div classdesktop>a classprofile-btn href/retirement-planners/indiana/carmel>View more qualified advisors in !-- -->Carmel!-- -->, !-- -->IN/a>div classclearfix>/div>/div>/div>/div>div classmobile>a classprofile-btn href/retirement-planners/indiana/carmel>View more qualified advisors in !-- -->Carmel!-- -->, !-- -->IN/a>div classclearfix>/div>/div>/div>/div>div classcol-md-4 d-flex stylealign-items:center>ul classlist-advisor>li>i classfa fa-check-circle>/i> Fee Based financial planner/li>li>i classfa fa-check-circle>/i>Offers a free retirement consultation/li>li>i classfa fa-check-circle>/i>Vetted Financial Planner/li>/ul>/div>div classbd-bottom>/div>/div>/div>div classadvisor-bg>div classrow>div classcol-md-8>div classcard-title bd-right>div classrow>div classcol-md-3 col-4>img data-srchttps://images.financialadvisor.net/images/sellerimages/112297.jpg idimgProfile altprofile class lazyloaded srchttps://images.financialadvisor.net/images/sellerimages/115048.jpg/>/div>div classcol-md-9 col-8>h2 classd-block profile-name>a href/retirement-planners/ohio/cincinnati/bullseye-investment-management/1893216>Robert Stone/a>/h2>h6 classd-block profile-add>Bullseye Investment Management/h6>p>4100 Executive Park Dr, Suite 210!-- --> br/> !-- --> !-- -->Cincinnati!-- -->, !-- -->OH!-- --> !-- -->45241/p>div classdesktop>a classprofile-btn href/retirement-planners/ohio/cincinnati>View more qualified advisors in !-- -->Cincinnati!-- -->, !-- -->OH/a>div classclearfix>/div>/div>/div>/div>div classmobile>a classprofile-btn href/retirement-planners/ohio/cincinnati>View more qualified advisors in !-- -->Cincinnati!-- -->, !-- -->OH/a>div classclearfix>/div>/div>/div>/div>div classcol-md-4 d-flex stylealign-items:center>ul classlist-advisor>li>i classfa fa-check-circle>/i> Fee Only financial planner/li>li>i classfa fa-check-circle>/i>Offers a free retirement consultation/li>li>i classfa fa-check-circle>/i>Vetted Financial Planner/li>/ul>/div>div classbd-bottom>/div>/div>/div>div classadvisor-bg>div classrow>div classcol-md-8>div classcard-title bd-right>div classrow>div classcol-md-3 col-4>img data-srchttps://images.financialadvisor.net/images/sellerimages/112297.jpg idimgProfile altprofile class lazyloaded srchttps://images.financialadvisor.net/images/sellerimages/113532.jpg/>/div>div classcol-md-9 col-8>h2 classd-block profile-name>a href/retirement-planners/arizona/peoria/validus-financial-associates/1892149>Marcus Luckeneder/a>/h2>h6 classd-block profile-add>Validus Financial Associates/h6>p>8877 West Union Hills Drive!-- --> br/> !-- -->Suite 540br/> !-- -->Peoria!-- -->, !-- -->AZ!-- --> !-- -->85382/p>div classdesktop>a classprofile-btn href/retirement-planners/arizona/peoria>View more qualified advisors in !-- -->Peoria!-- -->, !-- -->AZ/a>div classclearfix>/div>/div>/div>/div>div classmobile>a classprofile-btn href/retirement-planners/arizona/peoria>View more qualified advisors in !-- -->Peoria!-- -->, !-- -->AZ/a>div classclearfix>/div>/div>/div>/div>div classcol-md-4 d-flex stylealign-items:center>ul classlist-advisor>li>i classfa fa-check-circle>/i> Fee Based financial planner/li>li>i classfa fa-check-circle>/i>Offers a free retirement consultation/li>li>i classfa fa-check-circle>/i>Vetted Financial Planner/li>/ul>/div>div classbd-bottom>/div>/div>/div>div classadvisor-bg>div classrow>div classcol-md-8>div classcard-title bd-right>div classrow>div classcol-md-3 col-4>img data-srchttps://images.financialadvisor.net/images/sellerimages/112297.jpg idimgProfile altprofile class lazyloaded srchttps://images.financialadvisor.net/images/sellerimages/115214.jpg/>/div>div classcol-md-9 col-8>h2 classd-block profile-name>a href/retirement-planners/south-carolina/spartanburg/excelsior-wealth-partners/1893368>Kevin Christopher/a>/h2>h6 classd-block profile-add>Excelsior Wealth Partners/h6>p>100 Dunbar Street, Suite 116!-- --> br/> !-- --> !-- -->Spartanburg!-- -->, !-- -->SC!-- --> !-- -->29306/p>div classdesktop>a classprofile-btn href/retirement-planners/south-carolina/spartanburg>View more qualified advisors in !-- -->Spartanburg!-- -->, !-- -->SC/a>div classclearfix>/div>/div>/div>/div>div classmobile>a classprofile-btn href/retirement-planners/south-carolina/spartanburg>View more qualified advisors in !-- -->Spartanburg!-- -->, !-- -->SC/a>div classclearfix>/div>/div>/div>/div>div classcol-md-4 d-flex stylealign-items:center>ul classlist-advisor>li>i classfa fa-check-circle>/i> Fee Based financial planner/li>li>i classfa fa-check-circle>/i>Offers a free retirement consultation/li>li>i classfa fa-check-circle>/i>Vetted Financial Planner/li>/ul>/div>div classbd-bottom>/div>/div>/div>/div>/section>section>div classcontainer>div classbottom-form-dir>div classrow>div classcol-md-6 search-ad-dir>Search Our strong>Planner Directory/strong>/div>div classcol-md-6 find-advisor-dir>form accept-charsetUTF-8>span>input typetext maxLength5 classstd_input required placeholderEnter Zip Code required minLength5 pattern^0-9{5} titleProvided zip code is invalid/>div>input typesubmit namenext classsearch valueSEARCH NOW/>/div>/span>div classclearfix>/div>div iderrorzip14>/div>/form>/div>/div>/div>/div>/section>section classwa-calculator>div classcontainer>div classsection-heading text-center>Retirement Planning strong>Calculators/strong>span>Powered by WiserAdvisor/span>/div>div classrow>div classcol-md-4>a target_blank relnoopener hrefhttps://www.wiseradvisor.com/retirement-calculator/are-my-current-retirement-savings-sufficient-3/>h3>Are my current retirement savings sufficient?/h3>img data-src//static.retirementplanning.net/rp/images/retirement-savings-sufficient.webp altretirement-savings-sufficient classhpimages lazyloaded src//static.retirementplanning.net/rp/images/retirement-savings-sufficient.webp/>div classcalculator-btn>CALCULATE/div>/a>/div>div classcol-md-4>a target_blank relnoopener hrefhttps://www.wiseradvisor.com/retirement-calculator/how-much-do-you-need-for-retirement-6/>h3>How much do you need for retirement?/h3>img data-src//static.retirementplanning.net/rp/images/need-for-retirement.webp altneed-for-retirement classhpimages lazyloaded src//static.retirementplanning.net/rp/images/need-for-retirement.webp/>div classcalculator-btn>CALCULATE/div>/a>/div>div classcol-md-4>a target_blank relnoopener hrefhttps://www.wiseradvisor.com/retirement-calculator/how-will-retirement-impact-my-living-expenses-2/>h3>How will retirement impact my living expenses?/h3>img data-src//static.retirementplanning.net/rp/images/living-expenses.webp altliving-expenses classhpimages lazyloaded src//static.retirementplanning.net/rp/images/living-expenses.webp/>div classcalculator-btn>CALCULATE/div>/a>/div>/div>/div>/section>section classadvisor-directory>div classcontainer>div classrow>div classcol-lg-12 col-md-12 col-12>h2>Top Retirement Advisors for You by State:/h2>/div>/div>ul classbullet_list>li data-testidstatedirectory>a href/retirement-planners/alabama>Alabama/a>/li>li data-testidstatedirectory>a href/retirement-planners/arizona>Arizona/a>/li>li data-testidstatedirectory>a href/retirement-planners/california>California/a>/li>li data-testidstatedirectory>a href/retirement-planners/colorado>Colorado/a>/li>li data-testidstatedirectory>a href/retirement-planners/connecticut>Connecticut/a>/li>li data-testidstatedirectory>a href/retirement-planners/delaware>Delaware/a>/li>li data-testidstatedirectory>a href/retirement-planners/florida>Florida/a>/li>li data-testidstatedirectory>a href/retirement-planners/georgia>Georgia/a>/li>li data-testidstatedirectory>a href/retirement-planners/illinois>Illinois/a>/li>li data-testidstatedirectory>a href/retirement-planners/indiana>Indiana/a>/li>li data-testidstatedirectory>a href/retirement-planners/iowa>Iowa/a>/li>li data-testidstatedirectory>a href/retirement-planners/kansas>Kansas/a>/li>li data-testidstatedirectory>a href/retirement-planners/kentucky>Kentucky/a>/li>li data-testidstatedirectory>a href/retirement-planners/louisiana>Louisiana/a>/li>li data-testidstatedirectory>a href/retirement-planners/maine>Maine/a>/li>li data-testidstatedirectory>a href/retirement-planners/maryland>Maryland/a>/li>li data-testidstatedirectory>a href/retirement-planners/massachusetts>Massachusetts/a>/li>li data-testidstatedirectory>a href/retirement-planners/michigan>Michigan/a>/li>li data-testidstatedirectory>a href/retirement-planners/minnesota>Minnesota/a>/li>li data-testidstatedirectory>a href/retirement-planners/missouri>Missouri/a>/li>li data-testidstatedirectory>a href/retirement-planners/nebraska>Nebraska/a>/li>li data-testidstatedirectory>a href/retirement-planners/nevada>Nevada/a>/li>li data-testidstatedirectory>a href/retirement-planners/new-hampshire>New Hampshire/a>/li>li data-testidstatedirectory>a href/retirement-planners/new-jersey>New Jersey/a>/li>li data-testidstatedirectory>a href/retirement-planners/new-mexico>New Mexico/a>/li>li data-testidstatedirectory>a href/retirement-planners/new-york>New York/a>/li>li data-testidstatedirectory>a href/retirement-planners/north-carolina>North Carolina/a>/li>li data-testidstatedirectory>a href/retirement-planners/ohio>Ohio/a>/li>li data-testidstatedirectory>a href/retirement-planners/oklahoma>Oklahoma/a>/li>li data-testidstatedirectory>a href/retirement-planners/oregon>Oregon/a>/li>li data-testidstatedirectory>a href/retirement-planners/pennsylvania>Pennsylvania/a>/li>li data-testidstatedirectory>a href/retirement-planners/rhode-island>Rhode Island/a>/li>li data-testidstatedirectory>a href/retirement-planners/south-carolina>South Carolina/a>/li>li data-testidstatedirectory>a href/retirement-planners/tennessee>Tennessee/a>/li>li data-testidstatedirectory>a href/retirement-planners/texas>Texas/a>/li>li data-testidstatedirectory>a href/retirement-planners/utah>Utah/a>/li>li data-testidstatedirectory>a href/retirement-planners/virginia>Virginia/a>/li>li data-testidstatedirectory>a href/retirement-planners/washington>Washington/a>/li>li data-testidstatedirectory>a href/retirement-planners/wisconsin>Wisconsin/a>/li>/ul>/div>/section>section classadvisor-directory>div classcontainer>div classrow>div classcol-lg-12 col-md-12 col-12>h2>Top Retirement Advisors for You by Popular Cities:/h2>ul classbullet_list city-list>li>a href/retirement-planners/georgia/atlanta>Atlanta!-- -->, !-- -->GA/a>/li>li>a href/retirement-planners/texas/austin>Austin!-- -->, !-- -->TX/a>/li>li>a href/retirement-planners/maryland/baltimore>Baltimore!-- -->, !-- -->MD/a>/li>li>a href/retirement-planners/massachusetts/boston>Boston!-- -->, !-- -->MA/a>/li>li>a href/retirement-planners/north-carolina/charlotte>Charlotte!-- -->, !-- -->NC/a>/li>li>a href/retirement-planners/illinois/chicago>Chicago!-- -->, !-- -->IL/a>/li>li>a href/retirement-planners/ohio/cincinnati>Cincinnati!-- -->, !-- -->OH/a>/li>li>a href/retirement-planners/ohio/columbus>Columbus!-- -->, !-- -->OH/a>/li>li>a href/retirement-planners/texas/dallas>Dallas!-- -->, !-- -->TX/a>/li>li>a href/retirement-planners/pennsylvania/dallas>Dallas!-- -->, !-- -->PA/a>/li>li>a href/retirement-planners/colorado/denver>Denver!-- -->, !-- -->CO/a>/li>li>a href/retirement-planners/texas/houston>Houston!-- -->, !-- -->TX/a>/li>li>a href/retirement-planners/indiana/indianapolis>Indianapolis!-- -->, !-- -->IN/a>/li>li>a href/retirement-planners/florida/jacksonville>Jacksonville!-- -->, !-- -->FL/a>/li>li>a href/retirement-planners/missouri/kansas-city>Kansas City!-- -->, !-- -->MO/a>/li>li>a href/retirement-planners/nevada/las-vegas>Las Vegas!-- -->, !-- -->NV/a>/li>li>a href/retirement-planners/california/los-angeles>Los Angeles!-- -->, !-- -->CA/a>/li>li>a href/retirement-planners/florida/miami>Miami!-- -->, !-- -->FL/a>/li>li>a href/retirement-planners/minnesota/minneapolis>Minneapolis!-- -->, !-- -->MN/a>/li>li>a href/retirement-planners/tennessee/nashville>Nashville!-- -->, !-- -->TN/a>/li>li>a href/retirement-planners/new-york/new-york>New York!-- -->, !-- -->NY/a>/li>li>a href/retirement-planners/nebraska/omaha>Omaha!-- -->, !-- -->NE/a>/li>li>a href/retirement-planners/florida/orlando>Orlando!-- -->, !-- -->FL/a>/li>li>a href/retirement-planners/pennsylvania/philadelphia>Philadelphia!-- -->, !-- -->PA/a>/li>li>a href/retirement-planners/arizona/phoenix>Phoenix!-- -->, !-- -->AZ/a>/li>li>a href/retirement-planners/pennsylvania/pittsburgh>Pittsburgh!-- -->, !-- -->PA/a>/li>li>a href/retirement-planners/north-carolina/raleigh>Raleigh!-- -->, !-- -->NC/a>/li>li>a href/retirement-planners/utah/salt-lake-city>Salt Lake City!-- -->, !-- -->UT/a>/li>li>a href/retirement-planners/texas/san-antonio>San Antonio!-- -->, !-- -->TX/a>/li>li>a href/retirement-planners/california/san-diego>San Diego!-- -->, !-- -->CA/a>/li>li>a href/retirement-planners/california/san-francisco>San Francisco!-- -->, !-- -->CA/a>/li>li>a href/retirement-planners/washington/seattle>Seattle!-- -->, !-- -->WA/a>/li>li>a href/retirement-planners/florida/tampa>Tampa!-- -->, !-- -->FL/a>/li>li>a href/retirement-planners/arizona/tucson>Tucson!-- -->, !-- -->AZ/a>/li>li>a href/retirement-planners/district-of-columbia/washington>Washington!-- -->, !-- -->DC/a>/li>/ul>/div>/div>/div>/section>section classneed-advisor>div classcontainer>div classrow>div classcol-md-12>div classpdf-outer>div classrow>div classcol-md-8>h2>Tips for Adjusting to Retirement/h2>No matter how many years you spend thinking about your retirement, things can still seem a little daunting when the time arrives. This can take a toll on your emotional and mental well-being, irrespective of whether the retirement is voluntary or forced. Hence, it is very critical for people to know how to swiftly adapt to the final frontier of their journey of life.b> !-- -->Download the PDF and use these tips to adjust comfortably to your golden years.!-- --> /b>/div>div classcol-md-3>img srchttps://static.retirementplanning.net/rp/images/Tips-for-Adjusting-to-Retirement.jpg width100% altTips-for-Adjusting-to-Retirement.jpg/>a classpdf-btn target_blank downlaod href/docs/Tips-for-Adjusting-to-Retirement.pdf>DOWNLOAD FREE PDF/a>/div>/div>/div>/div>/div>/div>/section>section classneed-advisor>div classcontainer>div classrow>div classcol-md-12>div classpdf-outer>div classrow>div classcol-md-8>h2>How To Hire A Retirement Advisor/h2>Retirement, also called the golden years of life, can be blissful only if they are planned well. The everyday stress, of too much work and too little time, makes it harder to focus on this critical aspect of life. A retirement advisor can be your support system on this essential journey. These professionals can help you achieve your goals, identify opportunities, maximize profits, minimize risks, and secure and grow your wealth.b> !-- -->Download the Free PDF to Learn more on how you can find a suitable retirement advisor for you./b>a href/match-planners/search-by-zip>TO COMPARE RETIREMENT ADVISORS CLICK HERE/a>/div>div classcol-md-3>img srchttps://static.retirementplanning.net/rp/images/How-to-Hire-A-Retirement-Advisor.jpg width100% altHow-to-Hire-A-Retirement-Advisor.jpg/>a classpdf-btn target_blank downlaod href/docs/How-to-Hire-A-Retirement-Advisor.pdf>DOWNLOAD FREE PDF/a>/div>/div>/div>/div>/div>/div>/section>section classplan-retirement home-page-blog>div classcontainer>div classsection-heading text-center>Read Our strong>Blog on Retirement Planning/strong>/div>div classrow> div classcol-lg-4 col-md-4 col-12 Retirement-Plan>img srcundefined altarticle hrefhttps://www.retirementplanning.net/blog/preparing-your-spouse-for-retirement//>h3>a hrefhttps://www.retirementplanning.net/blog/preparing-your-spouse-for-retirement/>Preparing Your Spouse for Retirement/a>/h3>div>p>Retirement affects not just you. It affects your spouse, too. For one partner, retirement might mean no lon.../div>div classreadmore>a hrefhttps://www.retirementplanning.net/blog/preparing-your-spouse-for-retirement/>READ MORE/a>/div>/div> div classcol-lg-4 col-md-4 col-12 Retirement-Plan>img srchttps://www.retirementplanning.net/blog/wp-content/uploads/2026/01/Converting-IRAs-to-Roth-IRAs.jpg altarticle hrefhttps://www.retirementplanning.net/blog/things-to-keep-in-mind-when-converting-iras-to-roth-iras//>h3>a hrefhttps://www.retirementplanning.net/blog/things-to-keep-in-mind-when-converting-iras-to-roth-iras/>Things to Keep in Mind When Converting IRAs to Roth IRAs/a>/h3>div>p>If you believe your tax bracket will be higher in retirement, want to maximize what you leave behind for yo.../div>div classreadmore>a hrefhttps://www.retirementplanning.net/blog/things-to-keep-in-mind-when-converting-iras-to-roth-iras/>READ MORE/a>/div>/div> div classcol-lg-4 col-md-4 col-12 Retirement-Plan>img srchttps://www.retirementplanning.net/blog/wp-content/uploads/2020/03/Social-Security-Survivor-Benefits-Work.png altarticle hrefhttps://www.retirementplanning.net/blog/how-do-social-security-survivor-benefits-work//>h3>a hrefhttps://www.retirementplanning.net/blog/how-do-social-security-survivor-benefits-work/>How Do Social Security Survivor Benefits Work?/a>/h3>div>p>Financial planning can feel a little strange sometimes. On one hand, you focus on your present life and the.../div>div classreadmore>a hrefhttps://www.retirementplanning.net/blog/how-do-social-security-survivor-benefits-work/>READ MORE/a>/div>/div>div classclearfix>/div>div classcol-md-12>a stylecolor:#819c11 hrefhttps://www.retirementplanning.net/blog/>Visit our blog for more helpful retirement articles >>/a>/div>/div>/div>/section>div>section classupper_footer>div classbottom-zip>div classcall-action>form accept-charsetUTF-8>span>input typetext maxLength5 classpin-text-footer placeholderEnter Your Zip Code required minLength5 pattern^0-9{5} titleProvided zip code is invalid/>input typesubmit namenext classpin-btn-footer valueFind an Advisor/>/span>div classclearfix>/div>div iderrorzip14 classerrorfooter stylecolor:white;margin:0 auto;max-width:355px;display:block>/div>/form>/div>div classclearfix>/div>/div>div classcontainer>div classrow>div classcol-md-12>ul>li>a href/>Home/a>/li>li> a href/retirement-planners>Retirement Planners/a>/li>li>a hrefhttps://www.retirementplanning.net/blog/>Retirement Guide/a>/li>li>a href/about-us>About Us/a>/li>li>a href/contact-us>Contact Us/a>/li>li>a href/privacy-policy>Privacy/a>/li>li>a href/terms-condition>Terms/a>/li>li>a target_blank relnoopener hrefhttps://brokercheck.finra.org/>FINRA/a>/li>li>a target_blank relnoopener hrefhttps://www.retirementplanning.net/sitemap.xml>Sitemap/a>/li>/ul>p>RetirementPlanning.net is a wholly-owned brand of the Respond.com Inc. ("Respond") family. Respond is registered with the U.S. Securities and Exchange Commission as an investment adviser, and operates through various subsidiaries and brands that provide financial education. RetirementPlanning.net matches and refers investors to qualified financial professionals that have elected to participate in our matching platform. RetirementPlanning.net, Respond, and Respond's other subsidiaries and brands do not manage investor assets or otherwise render investment or financial planning advice beyond the referral of investors to qualified financial professionals. By using this website, you agree to our terms and conditions. br/>/p>p classtext-center>© !-- -->2026!-- --> RetirementPlanning.net. All Rights Reserved./p>/div>/div>/div>/section>/div>script srchttps://cdnjs.cloudflare.com/ajax/libs/ouibounce/0.0.11/ouibounce.min.js async>/script>/div>script id__NEXT_DATA__ typeapplication/json>{props:{pageProps:{Statelist:{stateCode:AL,stateFullName:Alabama},{stateCode:AZ,stateFullName:Arizona},{stateCode:CA,stateFullName:California},{stateCode:CO,stateFullName:Colorado},{stateCode:CT,stateFullName:Connecticut},{stateCode:DE,stateFullName:Delaware},{stateCode:FL,stateFullName:Florida},{stateCode:GA,stateFullName:Georgia},{stateCode:IL,stateFullName:Illinois},{stateCode:IN,stateFullName:Indiana},{stateCode:IA,stateFullName:Iowa},{stateCode:KS,stateFullName:Kansas},{stateCode:KY,stateFullName:Kentucky},{stateCode:LA,stateFullName:Louisiana},{stateCode:ME,stateFullName:Maine},{stateCode:MD,stateFullName:Maryland},{stateCode:MA,stateFullName:Massachusetts},{stateCode:MI,stateFullName:Michigan},{stateCode:MN,stateFullName:Minnesota},{stateCode:MO,stateFullName:Missouri},{stateCode:NE,stateFullName:Nebraska},{stateCode:NV,stateFullName:Nevada},{stateCode:NH,stateFullName:New Hampshire},{stateCode:NJ,stateFullName:New Jersey},{stateCode:NM,stateFullName:New Mexico},{stateCode:NY,stateFullName:New York},{stateCode:NC,stateFullName:North Carolina},{stateCode:OH,stateFullName:Ohio},{stateCode:OK,stateFullName:Oklahoma},{stateCode:OR,stateFullName:Oregon},{stateCode:PA,stateFullName:Pennsylvania},{stateCode:RI,stateFullName:Rhode Island},{stateCode:SC,stateFullName:South Carolina},{stateCode:TN,stateFullName:Tennessee},{stateCode:TX,stateFullName:Texas},{stateCode:UT,stateFullName:Utah},{stateCode:VA,stateFullName:Virginia},{stateCode:WA,stateFullName:Washington},{stateCode:WI,stateFullName:Wisconsin},AdvisorList:{id:1893366,firmName:Hoffman Private Wealth Group - Steward Partners,photo:/images/sellerimages/115178.jpg,city:Clearwater,state:FL,fullStateName:Florida,description:At Hoffman Private Wealth Group, weve been helping successful people achieve a secure and comfortable retirement for more than three decades. Through a sophisticated planning approach rooted in...,firstName:Todd Hoffman,lastName:,address1:600 Cleveland Street,address2:,zipCd:33755,areaCd:727,phone:3515327,attr_value:Fee-Only,designation:CFP\u003csup\u003e\u0026reg;\u003c/sup\u003e},{id:1893142,firmName:Paradigm Wealth Partners,photo:/images/sellerimages/114995.jpg,city:Des Moines,state:IA,fullStateName:Iowa,description:Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are...,firstName:Arron Cramer,lastName:,address1:515 E. Locust Street,address2:Suite 250,zipCd:50309,areaCd:515,phone:5058535,attr_value:Fee-Based,designation:CFP\u003csup\u003e\u0026reg;\u003c/sup\u003e, AFC®, CSLP®},{id:1882203,firmName:Catalyze Wealth Management,photo:/images/sellerimages/109037.jpg,city:Carmel,state:IN,fullStateName:Indiana,description:To ensure you receive the most coordinated, holistic advice available, we assembled a team of experts \nto ensure that you understand how any event or opportunity you encounter impacts the big picture...,firstName:Ryan Veldhuizen,lastName:,address1:550 Congressional Blvd,address2:Suite 350,zipCd:46032,areaCd:317,phone:5377526,attr_value:Fee-Based,designation:CFP\u003csup\u003e\u0026reg;\u003c/sup\u003e},{id:1893216,firmName:Bullseye Investment Management,photo:/images/sellerimages/115048.jpg,city:Cincinnati,state:OH,fullStateName:Ohio,description:For more than 23 years, Bullseye has guided successful individuals and families with strategies built on clarity, discipline, and fiduciary care. Founded with one purpose, to provide truly...,firstName:Robert Stone,lastName:,address1:4100 Executive Park Dr, Suite 210,address2:,zipCd:45241,areaCd:502,phone:9194317,attr_value:Fee-Only,designation:},{id:1892149,firmName:Validus Financial Associates,photo:/images/sellerimages/113532.jpg,city:Peoria,state:AZ,fullStateName:Arizona,description:Here at Validus Financial Associates, we are a team of financial planners that have been working together since 2011, and some of us together much longer. We have over 100 years of collective...,firstName:Marcus Luckeneder,lastName:,address1:8877 West Union Hills Drive,address2:Suite 540,zipCd:85382,areaCd:602,phone:7933123,attr_value:Fee-Based,designation:CFP\u003csup\u003e\u0026reg;\u003c/sup\u003e, AAMS\u003csup\u003e\u0026reg;\u003c/sup\u003e},{id:1893368,firmName:Excelsior Wealth Partners,photo:/images/sellerimages/115214.jpg,city:Spartanburg,state:SC,fullStateName:South Carolina,description:Excelsior Wealth is a premier asset management firm, that is in the business of finding innovative investment solutions and great investment ideas. Our experience, personalized approach, and...,firstName:Kevin Christopher,lastName:,address1:100 Dunbar Street, Suite 116,address2:,zipCd:29306,areaCd:864,phone:2639514,attr_value:Fee-Based,designation:},ArticleData:{title:Preparing Your Spouse for Retirement,link:https://www.retirementplanning.net/blog/preparing-your-spouse-for-retirement/,content:\u003cp\u003eRetirement affects not just you. It affects your spouse, too. For one partner, retirement might mean no longer going to work, swapping formal clothes for sweats, and no longer having to track performance metrics or deadlines. For the other, it can be more about adjusting to having their partner at home, spending time together, and even reworking daily routines and social lives. Either way, retirement is a shared transition, both personally and financially.\u003c/p\u003e\n\u003cp\u003eThe personal transition is something most couples figure out gradually. You learn to adjust and find your rhythm together. The financial transition, however, can feel more challenging. This is where you can take the help of a financial advisor. A financial advisor can help you with couple retirement planning strategies and align your retirement goals as a couple.\u003c/p\u003e\n\u003cp\u003ePreparing your spouse for retirement is important to ensure that both of you understand your income sources and the lifestyle you want to maintain together. This article will share some spouse-retirement-readiness tips that can help you.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eBelow are a few things that should be kept in mind when planning for retirement for yourself and your spouse:\u003c/strong\u003e\u003c/h2\u003e\n\u003ch3\u003e\u003cstrong\u003e1. Understand each other\u0026#8217;s retirement goals\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eAs you already know, retirement affects both partners. That is exactly why each of you may have a very different picture of what retirement should look like. And that is perfectly normal. As you grow older, your priorities become clearer. You may finally want to do things you have never done before, travel more, take chances, slow down, or simply live life on your own terms. For some people, retirement can involve exploring new countries. For others, it could be moving to the countryside, living by the beach, or settling into a peaceful retirement community.\u003c/p\u003e\n\u003cp\u003eEach of these choices comes with its own financial implications. Travel costs money. Relocating involves making decisions about buying and selling real estate. On top of this, your \u003cstrong\u003e\u003ca href\https://www.retirementplanning.net/blog/how-to-prepare-for-healthcare-expenses-in-retirement/\\u003ehealthcare\u003c/a\u003e\u003c/strong\u003e needs may change. The bottom line is that your lifestyle choices, no matter how simple they seem, require planning and financial foresight.\u003c/p\u003e\n\u003cp\u003eAt the same time, it is important to remember that your goals may not match your spouse’s, and in some cases, they may be completely different. One of you might want adventure, while the other may simply want to tend to the garden and read a book.\u003c/p\u003e\n\u003cp\u003eSo, what do you do when your visions do not align?\u003c/p\u003e\n\u003cp\u003eYou talk about them. Openly and honestly.\u003c/p\u003e\n\u003cp\u003eThese conversations help you understand what the other person is thinking. They also help you figure out whether your current savings and investments are enough to support the life you both want. Most importantly, these discussions are a key part of preparing your spouse for retirement. When both of you are clear about your shared and individual goals, you can plan accordingly.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e2. Account for the unavoidable expenses you would both have\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eRetirement planning for couples is not just about dreaming up the life you want but also preparing for the expenses you can’t avoid. Let’s take lifestyle choices first. Let’s say you plan to retire by the beach. That is a wonderful goal, and something you can plan for. You might buy a beach house, sell another property to fund it, or save enough during your working years to maintain two homes. These are voluntary expenses. Healthcare, however, falls into a very different category.\u003c/p\u003e\n\u003cp\u003eMedical expenses, especially those associated with older age, are largely unavoidable and non-negotiable. They also tend to rise as you grow older. Then there is long-term care. Taxes are another unavoidable expense in retirement. You may still owe taxes on \u003cstrong\u003e\u003ca href\https://www.retirementplanning.net/blog/5-major-social-security-changes-coming-in-2025-that-could-surprise-many-retirees/\\u003eSocial Security benefits\u003c/a\u003e\u003c/strong\u003e, withdrawals from retirement accounts like the 401(k), and more.\u003c/p\u003e\n\u003cp\u003eJust like you discuss your retirement goals and dreams, you also need honest conversations about these costs. Talking through them gives you a more realistic picture of your future and helps you understand how different expenses may compete. For example, if your individual or joint healthcare costs end up being higher than expected, you may need to cut back on travel or forgo the thought of that beach house.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e3. Use smart couple retirement planning strategies when claiming Social Security\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eCouples have a few built-in advantages when deciding how and when to claim Social Security benefits. With the right approach, you can potentially increase your combined lifetime income. Let’s start with the basics.\u003c/p\u003e\n\u003cp\u003eYou can begin collecting Social Security as early as age 62, but the earlier you claim, the smaller your monthly benefit will be. If you wait until your full retirement age (FRA), you will receive 100% of your Primary Insurance Amount (PIA), which is the benefit you have earned based on your work history.\u003c/p\u003e\n\u003cp\u003eIf you are able to wait beyond your FRA, your benefit continues to grow. For every month you delay, your payment increases by about 0.67%, which adds up to 8% per year. If you delay until age 70, you will receive your highest possible benefit. For example, if your FRA is 66, your benefit could grow to about 132% of your PIA. If your FRA is 67, it could reach about 124% of your PIA.\u003c/p\u003e\n\u003cp\u003eNow this is where planning as a couple really matters.\u003c/p\u003e\n\u003cp\u003eA common and effective strategy is for the lower-earning spouse to claim first, while the higher-earning spouse waits. Since the higher earner has a larger benefit to begin with, every year they delay adds more income over time than delaying the lower benefit would. But to make this decision, you need to compare both of your benefit estimates carefully. The spouse with the higher PIA is considered the higher earner, and in many cases, it makes sense for that person to delay claiming benefits.\u003c/p\u003e\n\u003cp\u003eIf one spouse’s benefit is more than twice as high as the other’s, another option may come into play. In this situation, the lower-earning spouse can claim benefits based on their own work record first and later switch to spousal benefits once the higher-earning spouse starts collecting.\u003c/p\u003e\n\u003cp\u003eAlso, delaying the higher earner’s benefit does not just help while both of you are alive. It can also provide protection down the road. If one spouse passes away, the surviving spouse generally keeps the higher of the two benefits. So, delaying the higher earner’s Social Security can result in a larger survivor benefit.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e4. Speak about any debt either of you may carry\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eNo matter which one of you has debt, it affects both of you equally. Once you retire, your finances are shared more than ever. It all comes out of the same income and savings. That is why being open about debt is such an important part of preparing your spouse for retirement.\u003c/p\u003e\n\u003cp\u003eIf you have credit card balances, loans, or even a mortgage that is not fully paid off, your spouse needs to know. And the same goes the other way around. Carrying debt into retirement by either partner can limit the lifestyle you were hoping to enjoy.\u003c/p\u003e\n\u003cp\u003eDebt does not just reduce your monthly cash flow. It also increases stress. High-interest debt, especially credit card debt, can be particularly damaging. If the interest you are paying on your debt is higher than what your savings or investments are earning, it often makes more sense to focus on paying off that debt first. This does not mean you should stop saving altogether, but it does mean you need to strike the right balance.\u003c/p\u003e\n\u003cp\u003eTake a close look at all your outstanding debts together. List them out, note the interest rates, and pay them down, starting with the most expensive. The years leading up to retirement are often the best time to do this, while you still have a steady income.\u003c/p\u003e\n\u003cp\u003eAnd, if you find that paying off all your debt before retirement is not possible, that is okay, but you still need to understand the impact. Ongoing loan payments could impact your retirement goals. Knowing this ahead of time allows both of you to plan ahead accordingly and make informed choices.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e5. Create an estate plan that both of you are okay with\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eEstate planning becomes especially important as you approach retirement. Even if you already have an estate plan in place, this is the time to revisit it and ensure it accounts for your current circumstances. Earlier in your working years, your focus may have been on securing your children’s future, but in retirement, other priorities, such as financial security for both spouses, may take precedence.\u003c/p\u003e\n\u003cp\u003eYou need to consider how your assets will support the surviving spouse if one of you passes away. This is especially important if one partner is no longer working. Take stock of all your assets, including pension, investments, savings, real estate, insurance, and others. Decide what you want to achieve with them and who should inherit them.\u003c/p\u003e\n\u003cp\u003eIn most cases, ensuring that the surviving spouse is financially protected should be the primary goal. Make sure that all your investment and savings plans have assigned beneficiaries. In the event of your death, this will predetermine who will receive the proceeds from your accounts.\u003c/p\u003e\n\u003cp\u003e401(k)s, IRAs, and other investment accounts allow you to add beneficiaries. This can include a living person, a trust, or others. You and your spouse should regularly review these designations and keep them up to date, especially after major life events such as retirement, a child\u0026#8217;s marriage, or the birth of a grandchild.\u003c/p\u003e\n\u003cp\u003eLife insurance should also be an integral part of your estate plan. While you may be planning retirement together, unexpected events can still occur. Life insurance helps ensure that your spouse’s financial security is not impacted if something happens to you. It can offer peace of mind during an already difficult time.\u003c/p\u003e\n\u003cp\u003eIt is equally important to decide who you trust to manage your affairs if you are unable to do so yourself. Appointing a reliable power of attorney can prevent hassles later. Once these decisions are made, have open conversations with your heirs, including your spouse, to set the right expectations. Given the complexity involved, working with a financial professional is strongly recommended.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e6. Consider the emotional aspects, too\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eBig life changes like retirement can bring a mix of feelings for both partners. Your sense of identity, daily routine, and even your role within the relationship can change. On one hand, retirement may give you more personal freedom and time to do things you enjoy. On the other hand, stepping away from work can feel like losing a part of yourself. Your spouse may also need time to adjust to having you at home more often.\u003c/p\u003e\n\u003cp\u003eThis is why communication matters so much during this phase. Talk openly about what a typical day might look like. These conversations help avoid misunderstandings and set realistic expectations. Revisit responsibilities at home. Household tasks may need to be redistributed now that one or both of you are no longer working. Also, talk about decision-making. Decide together who will handle financial decisions and how other important choices will be made going forward.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003ePlanning for retirement – Together\u003c/strong\u003e\u003c/h2\u003e\n\u003cp\u003ePreparing your spouse for retirement is a combination of conversations, planning, and decisions that help both of you move into this new phase feeling confident and supported. When you take the time to plan together, you make sure you are on the same page and better prepared to handle retirement, whether you are going through it side by side or, someday, on your own. It helps ensure that both of you have the right support systems in place and can manage the years ahead. It also brings peace of mind. Keep these spouse retirement readiness tips in mind and try not to ignore any one area, because they all work together.\u003c/p\u003e\n\u003cp\u003eIf you want guidance that is tailored to your specific situation, consider speaking with a financial advisor. Consider exploring our \u003ca href\https://www.retirementplanning.net/retirement-planners\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003efinancial advisor directory\u003c/strong\u003e\u003c/a\u003e to find a professional who understands your needs and can help you create a retirement plan that works for both of you.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eFrequently Asked Questions (FAQs) about retirement planning for couples \u003c/strong\u003e\u003c/h2\u003e\n\u003ch3\u003e\u003cstrong style\font-size: 16px;\\u003e1. How to help your spouse plan for retirement?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eYou can start by having honest, open conversations about your shared goals and individual expectations. Talk about your finances, savings, debt, pension, lifestyle plans, tax obligations, and estate arrangements. When you both understand the full picture, you can easily plan ahead and prepare for the future.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e2. How important is life insurance for couples in retirement?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eLife insurance is very important in retirement. It provides tax-free payouts that can protect your spouse financially if something unexpected happens. These proceeds can help cover a range of costs. It can also offer peace of mind. In addition to life insurance, you should also consider purchasing good health and long-term care insurance plans.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003e3. What else can couples do to ensure financial security in retirement?\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eCreating a customized retirement plan with a financial advisor can make a big difference. Retirement needs vary from couple to couple, and a professional can help you plan for your income, taxes, healthcare, and long-term goals.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e4. How important is financial liquidity for couples in retirement?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eFinancial liquidity is extremely important in retirement. At this stage, your focus should shift from building wealth to accessing it when needed. If too much of your money is tied up in assets that are difficult to liquidate, it can be hard to cover your daily needs as well as unexpected expenses. Having sufficient funds in liquid assets ensures you can meet your needs well.\u003c/p\u003e\n\u003cp\u003eFor additional information on retirement planning strategies that can be tailored to your specific financial needs and goals, visit Dash Investments or email me directly at \u003ca href\mailto:dash@dashinvestments.com\\u003e\u003cstrong\u003edash@dashinvestments.com\u003c/strong\u003e\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eAbout Dash Investments\u003c/strong\u003e\u003c/h2\u003e\n\u003cp\u003e\u003ca href\https://www.dashinvestments.com/\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eDash Investments\u003c/strong\u003e\u003c/a\u003e is privately owned by \u003ca href\https://www.retirementplanning.net/blog/author/jonathan-dash-cio-founder-dash-investments/\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eJonathan Dash\u003c/strong\u003e\u003c/a\u003e and is an independent investment advisory firm that manages private client accounts for individuals and families across America. As an SEC-registered investment advisor (RIA) firm, they are fiduciaries who put clients’ interests ahead of everything else.\u003c/p\u003e\n\u003cp\u003e\u003ca href\https://www.retirementplanning.net/retirement-planners/california/woodland-hills/dash-investments/1873850\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eDash Investments\u003c/strong\u003e\u003c/a\u003e offers a full range of investment advisory and financial services tailored to each client’s unique needs, providing institutional-caliber money management based on a solid, proven research approach. Additionally, each client receives comprehensive financial planning to help them move toward their financial goals.\u003c/p\u003e\n\u003cp\u003eCEO \u0026amp; Chief Investment Officer Jonathan Dash has been covered in major business publications such as Barron’s, The Wall Street Journal, and The New York Times as a leader in the investment industry with a track record of creating value for his firm’s clients.\u003c/p\u003e\n},{title:Things to Keep in Mind When Converting IRAs to Roth IRAs,source_url:https://www.retirementplanning.net/blog/wp-content/uploads/2026/01/Converting-IRAs-to-Roth-IRAs.jpg,link:https://www.retirementplanning.net/blog/things-to-keep-in-mind-when-converting-iras-to-roth-iras/,content:\u003cp\u003eIf you believe your tax bracket will be higher in retirement, want to maximize what you leave behind for your heirs, or feel that your investments are not well diversified from a tax perspective, you can convert your IRA to a Roth IRA. A Roth IRA conversion can also make sense if you are having a lower-than-usual income year, since the tax impact of the conversion may be easier to manage.\u003c/p\u003e\n\u003cp\u003eA Roth IRA (Individual Retirement Account) conversion allows you to pay taxes now so you can make tax-free withdrawals later when you retire. Hence, one of its biggest appeals is the potential to reduce your taxable income during retirement. But while this benefit is attractive, it should not be the only reason you consider a Roth IRA conversion.\u003c/p\u003e\n\u003cp\u003eThere are a number of Roth IRA conversion rules, immediate tax implications, and long-term considerations that you need to know. Let’s understand some of the most important things you need to know when you convert an IRA to a Roth IRA.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eBelow are some of the Roth IRA conversion rules you need to know:\u003c/strong\u003e\u003c/h2\u003e\n\u003ch3\u003e\u003cstrong\u003e1. The five-year rule applies to your contributions and conversions\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eIf you are considering a Roth IRA conversion, the five-year rule is one of the most important factors. There are two different five-year rules. You need to see how each one applies, so you can avoid unexpected taxes or penalties. Let’s break this down step by step.\u003c/p\u003e\n\u003cp\u003eThe earnings in a Roth IRA can only be withdrawn tax-free if at least five years have passed between January 1 of the tax year of your first Roth IRA contribution and the date you withdraw the earnings. For example, let’s say you made your first-ever Roth IRA contribution on April 10, 2026, but you applied it to the 2025 tax year. Under the five-year rule, the clock starts ticking on January 1, 2025, not April 2026. Your five-year period would end on January 1, 2030, and you could potentially withdraw earnings tax-free from that date onward, assuming you meet the other requirements.\u003c/p\u003e\n\u003cp\u003eHowever, if that same contribution had been applied to the 2026 tax year, your five-year clock would begin on January 1, 2026, and you would need to wait until January 1, 2031, to withdraw earnings tax-free.\u003c/p\u003e\n\u003cp\u003eNow you may be wondering what happens if you withdraw too early?\u003c/p\u003e\n\u003cp\u003eIn this case, the Internal Revenue Service (IRS) will consider it a non-qualified distribution, and the earnings portion of your withdrawal may be subject to income tax, a 10% early withdrawal penalty, or, in some cases, both. Once the five-year rule is satisfied and you are age 59½ or older, your withdrawals or earnings are considered qualified distributions, and they are free from both taxes and penalties.\u003c/p\u003e\n\u003cp\u003eDoes the five-year rule apply to all Roth IRAs?\u003c/p\u003e\n\u003cp\u003eYes. The five-year requirement applies to all Roth IRAs you own, not to each account separately. Once you have satisfied the rule for your first Roth IRA, it carries forward to future Roth IRAs you open. In fact, this rule also applies to inherited Roth IRAs, based on when the original account holder made their first Roth contribution. So even beneficiaries need to be mindful of when the Roth IRA was first funded.\u003c/p\u003e\n\u003cp\u003eThat said, even if the five-year rule is not met, you might still avoid penalties under certain circumstances. Common exceptions include:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eReaching age 59½\u003c/li\u003e\n\u003cli\u003eDeath\u003c/li\u003e\n\u003cli\u003eDisability\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eIn these cases, you may still owe income tax on earnings, but the 10% penalty could be waived.\u003c/p\u003e\n\u003cp\u003eMoving on to the most important part of the five-year rule. You may not know it yet, but there is a separate five-year rule for Roth IRA conversions.\u003c/p\u003e\n\u003cp\u003eWhen you convert money from a traditional IRA to a Roth IRA, the IRS requires a five-year waiting period before you can withdraw the converted amount without penalty if you are under age 59½. If you withdraw converted funds too early, you may owe a 10% \u003cstrong\u003e\u003ca href\https://www.retirementplanning.net/blog/traditional-and-roth-ira-early-withdrawal-penalties/\\u003eearly withdrawal penalty\u003c/a\u003e\u003c/strong\u003e on the converted amount, even though you already paid income tax on it at the time of conversion. The five-year waiting rule applies mainly to the converted principal, not to the earnings on that conversion. Earnings still fall under the standard Roth IRA rules and must meet both the five-year requirement.\u003c/p\u003e\n\u003cp\u003eThere are exceptions to the penalty as well, including:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eReaching age 59½\u003c/li\u003e\n\u003cli\u003eDeath\u003c/li\u003e\n\u003cli\u003eDisability\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eAnother important detail is that every Roth IRA conversion has its own separate five-year clock. If you do multiple conversions over different years, each one must independently meet its own five-year requirement. So, if you plan to do partial conversions over several years, you will need to be a bit more careful about the penalty.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e2. You can convert an IRA to a Roth IRA, but you may not be able to contribute\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eThese are two completely different rules. As long as you are willing to pay taxes on the converted amount, almost anyone can convert a traditional IRA, or other eligible retirement assets, into a Roth IRA. It does not matter how high your income is. There are no income limits on \u003cstrong\u003e\u003ca href\https://www.retirementplanning.net/blog/should-you-consider-a-roth-conversion-while-the-market-is-down/\\u003eRoth IRA conversions\u003c/a\u003e\u003c/strong\u003e. So even if you earn too much to make a direct Roth IRA contribution, you can still move money into a Roth IRA through a conversion. However, while conversions are open to almost everyone, Roth IRA contributions are limited by your Modified Adjusted Gross Income (MAGI).\u003c/p\u003e\n\u003cp\u003eThese limits vary by filing status. For the year 2026, these are the limits you need to follow:\u003c/p\u003e\n\u003ctable\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e\u003cstrong\u003eMAGI for Single Filers \u003c/strong\u003e\u003c/td\u003e\n\u003ctd width\118\\u003e\u003cstrong\u003eMAGI for Married Filing Jointly \u003c/strong\u003e\u003c/td\u003e\n\u003ctd width\112\\u003e\u003cstrong\u003eMAGI for Married Filing Separately \u003c/strong\u003e\u003c/td\u003e\n\u003ctd width\115\\u003e\u003cstrong\u003eMaximum contribution if you are under age 50\u003c/strong\u003e\u003c/td\u003e\n\u003ctd width\127\\u003e\u003cstrong\u003eMaximum contribution if you are 50 and older\u003c/strong\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003eUnder $153,000\u003c/td\u003e\n\u003ctd width\118\\u003eUnder $242,000\u003c/td\u003e\n\u003ctd width\112\\u003e$0\u003c/td\u003e\n\u003ctd width\115\\u003e$7,500\u003c/td\u003e\n\u003ctd width\127\\u003e$8,600\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$154,500\u003c/td\u003e\n\u003ctd width\118\\u003e$243,000\u003c/td\u003e\n\u003ctd width\112\\u003e$1,000\u003c/td\u003e\n\u003ctd width\115\\u003e$6,750\u003c/td\u003e\n\u003ctd width\127\\u003e$7,740\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$156,000\u003c/td\u003e\n\u003ctd width\118\\u003e$244,000\u003c/td\u003e\n\u003ctd width\112\\u003e$2,000\u003c/td\u003e\n\u003ctd width\115\\u003e$6,000\u003c/td\u003e\n\u003ctd width\127\\u003e$6,880\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$157,500\u003c/td\u003e\n\u003ctd width\118\\u003e$245,000\u003c/td\u003e\n\u003ctd width\112\\u003e$3,000\u003c/td\u003e\n\u003ctd width\115\\u003e$5,250\u003c/td\u003e\n\u003ctd width\127\\u003e$6,020\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$159,000\u003c/td\u003e\n\u003ctd width\118\\u003e$246,000\u003c/td\u003e\n\u003ctd width\112\\u003e$4,000\u003c/td\u003e\n\u003ctd width\115\\u003e$4,500\u003c/td\u003e\n\u003ctd width\127\\u003e$5,160\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$160,500\u003c/td\u003e\n\u003ctd width\118\\u003e$247,000\u003c/td\u003e\n\u003ctd width\112\\u003e$5,000\u003c/td\u003e\n\u003ctd width\115\\u003e$3,750\u003c/td\u003e\n\u003ctd width\127\\u003e$4,300\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$163,000\u003c/td\u003e\n\u003ctd width\118\\u003e$248,000\u003c/td\u003e\n\u003ctd width\112\\u003e$6,000\u003c/td\u003e\n\u003ctd width\115\\u003e$3,000\u003c/td\u003e\n\u003ctd width\127\\u003e$3,440\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$164,500\u003c/td\u003e\n\u003ctd width\118\\u003e$249,000\u003c/td\u003e\n\u003ctd width\112\\u003e$7,000\u003c/td\u003e\n\u003ctd width\115\\u003e$2,250\u003c/td\u003e\n\u003ctd width\127\\u003e$2,580\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$166,000\u003c/td\u003e\n\u003ctd width\118\\u003e$250,000\u003c/td\u003e\n\u003ctd width\112\\u003e$8,000\u003c/td\u003e\n\u003ctd width\115\\u003e$1,500\u003c/td\u003e\n\u003ctd width\127\\u003e$1,720\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$167,500\u003c/td\u003e\n\u003ctd width\118\\u003e$251,000\u003c/td\u003e\n\u003ctd width\112\\u003e$9,000\u003c/td\u003e\n\u003ctd width\115\\u003e$750\u003c/td\u003e\n\u003ctd width\127\\u003e$860\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width\118\\u003e$168,000 or above\u003c/td\u003e\n\u003ctd width\118\\u003e$252,000 or above\u003c/td\u003e\n\u003ctd width\112\\u003e$10,000 or above\u003c/td\u003e\n\u003ctd width\115\\u003e$0\u003c/td\u003e\n\u003ctd width\127\\u003e$0\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003eSo, remember, the contributions depend on your income, but the conversions do not. Having said that, just because you are not making new Roth IRA contributions does not mean you can’t benefit from a Roth IRA altogether. Speak to a financial advisor about this and find out if a conversion makes sense for your financial situation and needs.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e3. There will be some Roth IRA conversion tax implications\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eWhen you convert a traditional IRA to a Roth IRA, you will owe taxes on the amount you convert. This applies to any money in the traditional IRA that has not already been taxed.\u003c/p\u003e\n\u003cp\u003eWhat exactly gets taxed during a conversion?\u003c/p\u003e\n\u003cp\u003eThe taxable portion usually includes all tax-deductible contributions you made to your traditional IRA and the earnings that have grown tax-deferred over the years. When you convert, the IRS treats this amount as ordinary income for that year. It gets added to your total taxable income and is taxed at your current income tax rate. So, if you convert a large amount in a single year, you could push yourself into a higher tax bracket.\u003c/p\u003e\n\u003cp\u003eUnderstand that if you are choosing a Roth IRA conversion, you are essentially agreeing to pay taxes now so that you can enjoy tax-free withdrawals later, including tax-free growth in retirement. For people who expect to be in a higher \u003cstrong\u003e\u003ca href\https://www.retirementplanning.net/blog/will-i-have-to-pay-taxes-during-retirement/\\u003etax bracket in retirement\u003c/a\u003e\u003c/strong\u003e, the conversion can be a useful strategy, for sure. But it only works well if you can foot the tax bill today.\u003c/p\u003e\n\u003cp\u003eAnd, the 5-year rule still applies. If you convert money and then withdraw the converted amount too early, you could face a 10% early withdrawal penalty, even though you already paid taxes on the conversion.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eQuestions to ask yourself before you consider a\u003c/strong\u003e \u003cstrong\u003eRoth IRA conversion\u003c/strong\u003e\u003c/h2\u003e\n\u003ch3\u003e\u003cstrong style\font-size: 16px;\\u003e1. Do you have enough money to consider a Roth IRA conversion?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eA Roth conversion is not free. While you do not have to pay any fee for it, you will need to pay tax on the amount you convert. Ideally, this tax should come from money outside your IRA. If you dip into your retirement account to pay the tax, you would reduce the amount that actually goes into the Roth, which in turn limits how much can grow tax-free over time. If you end up pulling out money early from your retirement account for a conversion, it could shorten your investment time horizon and reduce the power of compounding.\u003c/p\u003e\n\u003cp\u003eThere is another thing to watch out for. If you are under 59½ and use IRA funds to pay the conversion tax, the amount withheld can trigger a 10% early withdrawal penalty. So, make sure you evaluate your financial liquidity. A Roth IRA conversion will only work to your advantage when you have enough surplus cash to cover the tax bill without touching your retirement savings. If not, you may be on the losing end in the future.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e2. Do you plan to leave your Roth IRA to charity?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eIn short:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eIf you plan to give money to charity, a Roth IRA conversion may not be the best thing for you.\u003c/li\u003e\n\u003cli\u003eIf you have a large estate and you plan to leave your IRA to your family, a Roth conversion may help reduce future taxes.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eLet’s elaborate on this:\u003c/p\u003e\n\u003cp\u003eIf you intend to leave assets to a qualified charity, doing a Roth conversion may actually work against you. Charities do not pay income tax on retirement accounts. This means that if you leave a traditional IRA or \u003cstrong\u003e\u003ca href\https://www.retirementplanning.net/blog/how-much-do-you-need-in-your-401k-and-how-much-should-you-contribute/\\u003e401(k\u003c/a\u003e)\u003c/strong\u003e directly to a charity, the charity receives the full amount, and no tax is ever paid on that money.\u003c/p\u003e\n\u003cp\u003eIn this case, converting that account to a Roth first may not make sense, because you would be paying tax now on money that could have passed to the charity completely tax-free. So, if charity is part of your estate plan, it is often better to leave pre-tax retirement accounts to charities and save Roth accounts for family members.\u003c/p\u003e\n\u003cp\u003eIf you do not plan to leave money to charity and your estate is very large, a Roth conversion can still be useful. When you convert to a Roth IRA, you pay tax today. That tax payment reduces the total value of your estate. This can help lower future estate taxes for your heirs.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e3. When to convert IRA to Roth?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eHere’s when:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eYou may want to consider converting when you have extra cash available to pay the taxes.\u003c/li\u003e\n\u003cli\u003eBeing in a lower tax bracket is another good time to convert, so you pay lower taxes.\u003c/li\u003e\n\u003cli\u003eA Roth conversion also works best when you know your retirement and estate plans. If you understand how much income you will need in retirement and who will eventually inherit your assets, you can better judge Roth IRA conversion tax implications for you or your heirs in the future.\u003c/li\u003e\n\u003cli\u003eIf most of your retirement savings are in traditional, pre-tax accounts, converting some portion to a Roth can help lower your taxes in the future.\u003c/li\u003e\n\u003cli\u003eYou can also convert if your MAGI falls within Roth IRA contribution rules.\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch3\u003e\u003cstrong\u003eMaking Roth IRA conversions work for you\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eYou can convert an IRA to a Roth IRA successfully, as long as you understand the rules and know what to expect down the road. But keep in mind that the tax implications are very real. It is equally important to look at your overall \u003cstrong\u003e\u003ca href\https://www.retirementplanning.net/blog/retirement-planning-checklist/\\u003eretirement strategy\u003c/a\u003e\u003c/strong\u003e. The conversion should align with your long-term needs, not work against them. So, spend some time getting to know the Roth IRA conversion rules, such as the five-year rule, MAGI limits on contributions, and more.\u003c/p\u003e\n\u003cp\u003eIf any part of the process feels confusing, you may use our \u003ca href\https://www.retirementplanning.net/retirement-planners\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eadvisor directory\u003c/strong\u003e\u003c/a\u003e to connect with a qualified financial advisor who can help with the conversion.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eFrequently Asked Questions (FAQs) about the Roth IRA conversion\u003c/strong\u003e\u003c/h2\u003e\n\u003ch3\u003e\u003cstrong\u003e1. How much can you contribute to a Roth IRA?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eIn 2026, you can contribute up to $7,500 if you are under age 50. If you are age 50 or older, the limit increases to $8,600. Keep in mind that contribution limits depend on your income.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e2. Is it important to have a financial advisor by your side when converting?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eIt is not mandatory, but it can make the process much smoother. A financial advisor can help you understand the tax impact and plan the timing of the conversion. You are likely to make fewer mistakes with a professional by your side.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e3. Can you convert from a 401(k) to a Roth IRA?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eYes, you can convert a 401(k) to a Roth IRA if you want tax-free withdrawals in retirement.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003e4. When is the right time to convert to a Roth IRA?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eThe right time is usually when you are in a lower tax bracket than you expect to be in the future. Converting during a low-income year allows you to pay less tax. Another good time to consider a conversion is when you have surplus funds available to pay the conversion tax upfront, rather than dipping into your retirement savings.\u003c/p\u003e\n\u003cp\u003eFor further information on creating a suitable retirement plan for your unique financial requirements, visit Dash Investments or email me directly at \u003ca href\mailto:dash@dashinvestments.com\\u003e\u003cstrong\u003edash@dashinvestments.com\u003c/strong\u003e\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eAbout Dash Investments\u003c/strong\u003e\u003c/h2\u003e\n\u003cp\u003e\u003ca href\https://www.dashinvestments.com/\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eDash Investments\u003c/strong\u003e\u003c/a\u003e is privately owned by \u003ca href\https://www.retirementplanning.net/blog/author/jonathan-dash-cio-founder-dash-investments/\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eJonathan Dash\u003c/strong\u003e\u003c/a\u003e and is an independent investment advisory firm that manages private client accounts for individuals and families across America. As an SEC-registered investment advisor (RIA) firm, they are fiduciaries who put clients’ interests ahead of everything else.\u003c/p\u003e\n\u003cp\u003e\u003ca href\https://www.retirementplanning.net/retirement-planners/california/woodland-hills/dash-investments/1873850\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eDash Investments\u003c/strong\u003e\u003c/a\u003e offers a full range of investment advisory and financial services tailored to each client’s unique needs, providing institutional-caliber money management based on a solid, proven research approach. Additionally, each client receives comprehensive financial planning to help them move toward their financial goals.\u003c/p\u003e\n\u003cp\u003eCEO \u0026amp; Chief Investment Officer Jonathan Dash has been covered in major business publications such as Barron’s, The Wall Street Journal, and The New York Times as a leader in the investment industry with a track record of creating value for his firm’s clients.\u003c/p\u003e\n},{title:How Do Social Security Survivor Benefits Work?,source_url:https://www.retirementplanning.net/blog/wp-content/uploads/2020/03/Social-Security-Survivor-Benefits-Work.png,link:https://www.retirementplanning.net/blog/how-do-social-security-survivor-benefits-work/,content:\u003cp\u003eFinancial planning can feel a little strange sometimes. On one hand, you focus on your present life and the future you want to create. You save and invest to live comfortably and reach your goals. But there is another side to planning that is just as important, which is thinking about what happens if you are no longer around.\u003c/p\u003e\n\u003cp\u003eInsurance is the most obvious tool people use to protect their families\u0026#8217; financial interests, but it is not the only one. Social Security survivor benefits are another tool you can use. These benefits can help your surviving family members manage essential expenses and maintain financial stability.\u003c/p\u003e\n\u003cp\u003eThis article will tell you everything you need to know about survivor benefits and Social Security so you can understand how they work.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eWhat are Social Security survivor benefits\u003c/strong\u003e\u003cstrong\u003e?\u003c/strong\u003e\u003c/h2\u003e\n\u003cp\u003eSocial Security survivor benefits are monthly payments to eligible family members of someone who worked and paid Social Security taxes during their lifetime. A part of every paycheck you contribute to Social Security helps fund benefits for your dependents in case something happens to you.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003eNow,\u003c/strong\u003e \u003cstrong\u003ewho qualifies for survivor benefits? \u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eThe eligibility list for the Social Security death benefit is quite broad. Families come in various forms, and the system, by and large, supports most family and dependent arrangements. Here\u0026#8217;s who can claim the survivor benefits:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eSurviving spouses qualify, of course, but so do divorced spouses in many cases.\u003c/li\u003e\n\u003cli\u003eChildren can qualify, too, along with stepchildren, grandchildren, and even step-grandchildren in certain situations.\u003c/li\u003e\n\u003cli\u003eIn some cases, Social Security may extend survivor benefits to dependent parents as well.\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch3\u003e\u003cstrong\u003eHow much do the Social Security survivor benefits pay?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eThe exact benefit you receive will differ based on your age and relationship to the deceased. Here are the guidelines and benefit limits for the same:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eA surviving spouse can receive the highest share of a deceased worker\u0026#8217;s Social Security benefit. If the spouse claims benefits at full retirement age, they are eligible for 100% of the benefit the deceased worker would have received. Claiming earlier reduces the amount. For example, a widow or widower between the ages of 60 and full retirement age typically receives between 71.5% and 99%, depending on the exact age at which they claim.\u003c/li\u003e\n\u003cli\u003eWidows and widowers aged 50 to 59 who are disabled may qualify for 71.5% of the deceased worker\u0026#8217;s benefit.\u003c/li\u003e\n\u003cli\u003eA surviving spouse caring for a child under age 16 receives 75%, regardless of the spouse\u0026#8217;s age.\u003c/li\u003e\n\u003cli\u003eChildren also qualify for survivor benefits. A child under 18, or up to 19 if still in high school, can receive up to 75% of the deceased parent\u0026#8217;s benefit.\u003c/li\u003e\n\u003cli\u003eBenefits can continue into adulthood for children who became disabled before age 22.\u003c/li\u003e\n\u003cli\u003eDependent parents may qualify as well. If a parent is at least 62 and depended on the deceased worker for at least half of their financial support, they might be eligible for a survivor benefit. A single surviving parent generally receives 82.5%, while two surviving parents usually receive 75% each.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eFor surviving spouses, the Full Retirement Age (FRA) for survivor benefits differs slightly from the FRA used for retirement benefits. Here\u0026#8217;s how this works:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eFor those born from 1945 to 1956, the survivor FRA is 66.\u003c/li\u003e\n\u003cli\u003eIt gradually increases for people born from 1957 to 1962.\u003c/li\u003e\n\u003cli\u003eAnyone born in 1962 or later reaches full survivor benefits at age 67.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eReduced survivor benefits are available as early as age 60, and as early as 50 if the surviving spouse is disabled. A spouse of any age can receive benefits if they are caring for the deceased worker\u0026#8217;s child under 16 or a child with a disability who is receiving \u003cstrong\u003e\u003ca href\https://www.retirementplanning.net/blog/5-major-social-security-changes-coming-in-2025-that-could-surprise-many-retirees/\\u003eSocial Security benefits\u003c/a\u003e\u003c/strong\u003e.\u003c/p\u003e\n\u003cp\u003eSpouses or certain minor children may also receive a one-time death benefit of $255 from Social Security. It is important to apply for this one-time payment within two years of the deceased\u0026#8217;s death. The payment is typically made to the surviving spouse. But if there is no eligible spouse, the children may still qualify. Children may be eligible if they are 17 years old or younger, or if they are between 18 and 19 and are enrolled full-time in a K–12 school. In case the children have developed a disability before age 22, there is no age limit imposed.\u003c/p\u003e\n\u003cp\u003eOne important thing to know is that the amount each survivor receives is based entirely on the worker\u0026#8217;s lifetime earnings. The more the person earned and contributed to Social Security, the higher the potential benefit for their family. As you work and pay Social Security taxes, you earn credits that count toward your future benefits. These same credits also determine whether your family can receive survivor benefits if something happens to you. You need to work for a maximum of 10 years to qualify for survivor benefits. So, even if your career was shorter than average, your loved ones may still qualify for support.\u003c/p\u003e\n\u003cp\u003eThere is also a special rule you should be aware of. If you pass away while you still have young children, Social Security may be able to pay survivor benefits even if you have barely worked. Under this rule, if you worked for just one and a half years during the three years right before your death, your children and your spouse who is caring for them may still qualify for the Social Security death benefit.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eHow do you apply for Social Security survivor benefits?\u003c/strong\u003e\u003c/h2\u003e\n\u003cp\u003eIf you were already receiving spousal benefits based on your partner\u0026#8217;s work record, Social Security will generally switch you to survivor benefits once the death is reported. But if you were not receiving spousal benefits, you must submit an application.\u003c/p\u003e\n\u003cp\u003eA funeral home typically reports the death to the Social Security Administration (SSA). However, if no funeral home is involved or if the report is not filed for some reason, you should contact the SSA directly. You will need to provide the deceased person\u0026#8217;s name, date of birth, Social Security number, and date of death.\u003c/p\u003e\n\u003cp\u003eTo apply, you must call the Social Security Administration at +1 800-772-1213 to schedule an appointment. If you are deaf or hard of hearing, call TTY +1 800-325-0778. If you live outside the United States, you should contact the nearest Federal Benefits Unit. If the deceased was a U.S. citizen, you should also notify the closest U.S. embassy or consulate.\u003c/p\u003e\n\u003cp\u003eYou may need several documents during the application process, depending on your relationship to the deceased. These may include:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eA marriage certificate\u003c/li\u003e\n\u003cli\u003eA final divorce decree, if you are applying as a surviving divorced spouse\u003c/li\u003e\n\u003cli\u003eYour birth certificate or other proof of birth\u003c/li\u003e\n\u003cli\u003eProof of U.S. citizenship\u003c/li\u003e\n\u003cli\u003eProof of the death of the deceased\u003c/li\u003e\n\u003cli\u003eW-2 forms or tax returns\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eOnce everything is set up, the Social Security death benefit works the same way as other Social Security benefits. You receive a monthly payment credited directly to your bank account. If multiple family members qualify, like a spouse and children, each person receives their percentage individually.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003eAre there any exemptions for survivor benefits for spouses?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eIf you are a surviving spouse, there are a few things you need to know. To start with the basic rule, you qualify for survivor benefits if you are at least 60 years old and were married to your spouse for at least nine months at the time of their death. This is the general framework. But there are some exemptions.\u003c/p\u003e\n\u003cp\u003eAn exception applies when your spouse\u0026#8217;s death was accidental or occurred while serving in the U.S. military. In these situations, the nine-month marriage requirement is waived entirely. It does not matter if you were married for years or even a few weeks. As long as the death meets that criteria, you are still eligible.\u003c/p\u003e\n\u003cp\u003eThere is also an important rule for anyone caring for children from a marriage. If you are looking after a child who is under 16 or who has a qualifying disability, you can receive survivor benefits at any age. Another exception applies to widows or widowers with disabilities. If you are between the ages of 50 and 59, you can qualify for survivor benefits as long as your disability began within seven years of your spouse\u0026#8217;s death.\u003c/p\u003e\n\u003cp\u003eThe SSA also has special rules in place for remarriage. If you remarry before turning 60, you lose eligibility for survivor benefits tied to your late spouse\u0026#8217;s record. But the rule does not apply if you have a disability. In that case, the age cutoff is 50. However, you regain eligibility if that later marriage ends through divorce, annulment, or death. If this happens, the survivor benefits tied to your first spouse can become available again.\u003c/p\u003e\n\u003cp\u003eOn the other hand, if you remarry at age 60 or older, or 50 or older if you are disabled, your survivor benefits stay intact, and you can continue receiving them for the rest of your life. And yes, you may also qualify for spousal benefits based on your new spouse\u0026#8217;s work record, too. You will not receive both at the same time, but you will have the option to choose whichever payout is higher.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003eWhat happens if you receive both Social Security and survivor benefits together?\u003c/strong\u003e\u003c/h3\u003e\n\u003cp\u003eThis is one of the most common questions people have. You could lose a spouse and also qualify for your own \u003cstrong\u003e\u003ca href\https://www.retirementplanning.net/blog/when-should-you-opt-to-file-for-social-security-benefits/\\u003eSocial Security retirement benefits\u003c/a\u003e\u003c/strong\u003e. What happens then?\u003c/p\u003e\n\u003cp\u003eWell, you can\u0026#8217;t receive both benefits in full at once. Instead, you are allowed to receive whichever benefit is higher. But you can switch between the two strategically to increase the total amount you receive over your lifetime. So, you can claim one benefit first and then switch to the other later.\u003c/p\u003e\n\u003cp\u003eSurvivor benefits are available as early as age 60. If you are disabled, you can start at 50. These benefits grow only until your full retirement age, which for most people today falls between 66 and 67. Once you reach that age, the Social Security death benefit reaches its maximum value.\u003c/p\u003e\n\u003cp\u003eYour own Social Security retirement benefit works differently. You can start it at age 62, but you will receive a reduced amount if you choose to start that early. The longer you wait, the larger your benefit grows. Your retirement benefit reaches its maximum amount at age 70. After that, there is no scope for further growth.\u003c/p\u003e\n\u003cp\u003eIt may help to talk to a financial advisor or call Social Security directly to understand how this works and applies to your situation.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eUnderstanding survivor benefits and your next steps\u003c/strong\u003e\u003c/h2\u003e\n\u003cp\u003eSurvivor benefits and Social Security can together help several families. The system is designed to make sure you are not left without financial support. Even when things do not go as planned, these benefits can help you maintain financial stability.\u003c/p\u003e\n\u003cp\u003eBut to really make the most of what is available, you need to understand how the rules work. And since Social Security rules can change over time, it is also essential to stay up to date. Talking to a financial advisor can make the process much easier. Explore our\u003ca href\https://www.retirementplanning.net/retirement-planners\ target\_blank\ rel\noopener\\u003e \u003cstrong\u003efinancial advisor directory\u003c/strong\u003e\u003c/a\u003e to connect with a professional who can guide you through the process of claiming survivor benefits.\u003c/p\u003e\n\u003ch3\u003e\u003cstrong\u003eFrequently Asked Questions (FAQs) about Survivor benefits and Social Security\u003c/strong\u003e\u003c/h3\u003e\n\u003ch4\u003e\u003cstrong style\font-size: 16px;\\u003e1. What is the Social Security survivor benefit?\u003c/strong\u003e\u003c/h4\u003e\n\u003cp\u003eA Social Security survivor benefit is a monthly payment made to certain family members after someone who paid into Social Security passes away.\u003cbr /\u003e\n\u003cstrong\u003e\u003cbr /\u003e\n2. How do I know if I qualify for the Social Security death benefit?\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eYou may qualify if you are a surviving spouse, and in many cases, even a divorced spouse can be eligible. Children also qualify, including biological children, stepchildren, grandchildren, and in some situations, step-grandchildren. Dependent parents can receive survivor benefits, too.\u003c/p\u003e\n\u003cp\u003eIt is best to speak with a financial advisor who can review your situation and confirm exactly whether you qualify and what you are entitled to.\u003cbr /\u003e\n\u003cstrong\u003e\u003cbr /\u003e\n3. Can Social Security survivor benefits alone cover all my financial needs?\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eFor most people, survivor benefits alone may not be enough to cover all their needs. It may be more beneficial to pair them with other retirement financial tools, such as a 401(k), an Individual Retirement Account (IRA), and even life insurance.\u003c/p\u003e\n\u003ch4\u003e\u003cstrong\u003e4. Are Social Security survivor benefits taxed?\u003c/strong\u003e\u003c/h4\u003e\n\u003cp\u003eThey can be, depending on your income. Survivor benefits may be partially taxable at the federal level if your combined income crosses certain thresholds. Depending on your filing status and total earnings, up to 85% of your survivor benefits may be considered taxable income. While most states do not tax Social Security benefits, a handful do. These include:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eMinnesota\u003c/li\u003e\n\u003cli\u003eUtah\u003c/li\u003e\n\u003cli\u003eVermont\u003c/li\u003e\n\u003cli\u003eConnecticut\u003c/li\u003e\n\u003cli\u003eColorado\u003c/li\u003e\n\u003cli\u003eMontana\u003c/li\u003e\n\u003cli\u003eNew Mexico\u003c/li\u003e\n\u003cli\u003eRhode Island\u003c/li\u003e\n\u003cli\u003eWest Virginia\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eFor further information on creating a suitable retirement plan for your unique financial requirements, visit Dash Investments or email me directly at \u003ca href\mailto:dash@dashinvestments.com\\u003e\u003cstrong\u003edash@dashinvestments.com\u003c/strong\u003e\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eAbout Dash Investments\u003c/strong\u003e\u003c/h2\u003e\n\u003cp\u003e\u003ca href\https://www.dashinvestments.com/\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eDash Investments\u003c/strong\u003e\u003c/a\u003e is privately owned by \u003ca href\https://www.retirementplanning.net/blog/author/jonathan-dash-cio-founder-dash-investments/\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eJonathan Dash\u003c/strong\u003e\u003c/a\u003e and is an independent investment advisory firm, managing private client accounts for individuals and families across America. As a Registered Investment Advisor (RIA) firm with the SEC, they are fiduciaries who put clients’ interests ahead of everything else.\u003c/p\u003e\n\u003cp\u003e\u003ca href\https://www.retirementplanning.net/retirement-planners/california/woodland-hills/dash-investments/1873850\ target\_blank\ rel\noopener\\u003e\u003cstrong\u003eDash Investments\u003c/strong\u003e\u003c/a\u003e offers a full range of investment advisory and financial services, which are tailored to each client’s unique needs providing institutional-caliber money management services that are based upon a solid, proven research approach. Additionally, each client receives comprehensive financial planning to ensure they are moving toward their financial goals.\u003c/p\u003e\n\u003cp\u003eCEO \u0026amp; Chief Investment Officer Jonathan Dash has been covered in major business publications such as Barron’s, The Wall Street Journal, and The New York Times as a leader in the investment industry with a track record of creating value for his firm’s clients.\u003c/p\u003e\n}},__N_SSG:true},page:/,query:{},buildId:UnE1VY9X2AIjv8mxbtY7K,isFallback:false,gsp:true,scriptLoader:}/script>/body>/html>
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Date
Domain
IP
findanadvisor.retirementplanning.net
2025-10-08
54.221.86.35
www.retirementplanning.net
2026-01-26
3.163.24.43
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