Insights

Before rolling over your 401(k), consider whether you could be overlooking a valuable tax opportunity. Net Unrealized Appreciation (NUA) may allow qualifying retirees with appreciated employer stock to benefit from more favorable capital gains tax treatment. Georgia Lord, Head of Financial Planning at Corbett Road, explains how this strategy works, who may benefit, and why careful planning before a rollover is essential.

Retirement planning should account for both spouses' financial futures. Discover how Social Security survivor benefits work, why claiming decisions matter, and what couples can do to help protect the surviving spouse's retirement income.

Federal employees have access to valuable retirement benefits, but making the most of them requires careful planning. Will Cunningham, Senior Wealth Manager at Corbett Road, outlines five common retirement planning mistakes to avoid, including overlooked healthcare costs, TSP withdrawal decisions, and tax considerations.

How could an extended need for long-term care affect your retirement income and investment portfolio? Camilla Carvalho, Wealth Manager at Corbett Road, discusses how long-term care planning fits into a comprehensive retirement strategy and examines options for managing these potential expenses while working toward your long-term financial goals.

The choice between gifting assets during your lifetime and passing them to heirs through your estate involves more than estate taxes. Georgia Lord, Head of Financial Planning at Corbett Road, explains how cost basis, gifting rules, retirement accounts, and state tax considerations can shape a wealth transfer strategy.

Learn how Social Security benefits are calculated, including your highest 35 years of earnings, claiming age, benefit formula, and strategies for retirement income planning.

Federal employees have multiple retirement benefits available to them, but the greatest value comes from understanding how those benefits work together. Explore key considerations for coordinating your FERS pension, TSP, Social Security, healthcare, taxes, and estate plan for retirement.

Healthcare costs can play a significant role in retirement planning. Camilla Carvalho, Wealth Manager at Corbett Road Wealth Management, explains what to review during Medicare's Annual Enrollment Period and how coverage decisions may connect to your broader financial strategy.