Blog
Is An Annuity Appropriate for You?
Having enough retirement income is concerning for some Americans. Although consistent contributions into their retirement savings plans have occurred, many are concerned if their retirement plan will be successful. A successful...
Read MoreNewsletter: Rollover Education is Important
I want to spend a minute discussing one of the most important decisions a person makes…. That is the decision about what to do with their retirement plan when they change jobs. There are important, but complicated decision to make.
Read MoreUnused 529 Plan Funds: 5 Spending Options to Consider
529 plans are tax-advantaged savings vehicles designed to accumulate contributions and help pay for the beneficiary's qualifying education expenses. Sometimes, 529 plans have unused funds after the beneficiary graduates or decide to discont
Read More401(k) Rollovers Can Make or Break Retirement
With a significant portion of Americans withdrawing money from their 401(k)s when they change employers, understanding the value of 401(k) rollovers is essential to preserving a confident financial future.
Read MoreRetirees Don’t Miss Working, They Miss People
In 1938, Harvard researchers began a groundbreaking study to answer a timeless question: What makes us happy in life? Over the decades, the study has followed 724 people from diverse backgrounds, collecting health records and asking...
Read MoreShow All
Newsletter: Will April Showers Bring May Flowers?
Here in Southern Chester County, Pennsylvania, it is the first week of May and the temperature is in the 50s and 60s. We are experiencing a little pre-summer weather. Or should we just say Springtime?
Read MoreDo You Have a Customized Retirement Plan?
For those approaching the end of a career, there are three questions many soon-to-be retirees want to be answered before they feel completely comfortable leaving a paycheck behind and making one of life’s biggest transitions by retiring:
Read MoreOver the Horizon
What’s ahead for you? Is there a clear vision over the next hill? Looks like a little sunlight might be in the distance. But how far off is that really? We can’t see what is really on the other side of that hill. ...
Read More7 Retirement Considerations: Thoughts from a financial professional
When helping people get ready for retirement, financial professionals find the same issues come up over and over. Thinking ahead can spell the difference between a retirement with enough money and a stressful one with difficult decisions...
Read MoreNavigating Money Stress with a Financial Professional
Money worries may be one of the biggest sources of stress—from wondering how to pay for an unexpected expense to making retirement calculations when considering leaving a job. In the midst of inflation, war, and stock market volatility...
Read MoreNewsletter: A Resilient March
From unexpected weather patterns to unexpected economic patterns…. It is ok to admit that sometimes economic and other news can be worrisome or distracting.
Read More3 Reasons to Wait Until 70 to Claim Social Security Benefits
When it comes to claiming Social Security retirement benefits, you may want to consider waiting to start benefits when you’re 70. That means not starting benefits when you’re 62 (which is still popular with many), nor even full retirement
Read MoreAs Volatility Increases, So Does Retirement Worry
Getting ready for retirement involves more than just calculating how much you will need and the rate you can draw down your savings. The years before you retire is a crucial time to prepare both financially and psychologically.
Read MoreNewsletter: Prudential Financial Presents Educational Webinar Series
Gary Pawliczek would like to invite you to attend a series of educational webinars presented by Prudential Financial. Each presentation is about 45 minutes and FREE to attend.
Read MoreNewsletter: Waiting on New Highs
Financial markets have experienced quite a bit of change this year in just two short months. We started the year hopeful that stocks would benefit from a better economic and monetary policy environment by the spring, but recent developments
Read MoreThe Strength of LPL Financial
The events of the past few days have many people asking questions about the health of the financial services companies they entrust with their money and investments.
Read MoreSpring Has Sprung: Time to Refresh Your Retirement Plan
Spring can be a fantastic time to refresh your retirement plan and savings habits. With 2023 bringing increased limits for 401(k)s, individual retirement accounts (IRAs), Health Savings Accounts (HSAs), and other tax-advantaged accounts...
Read More5 Last Minute Considerations Before Tax Day
With April’s federal tax filing and payment deadline on the horizon, Americans are dotting their i’s and crossing their t’s as they prepare for the countdown to Tax Day. But before you rush to get that return out the door, are you...
Read More6 Tips for Reducing Social Security Taxes
Determining how your income impacts Social Security (SS) taxes is important for tax planning. Factors that determine how much SS tax you pay, depending on your circumstances, include
Read MoreShort-Term Goals vs. Retirement Savings
Too many focus on immediate needs versus saving for retirement. American workers find it difficult to save for retirement because their distant financial needs tend to take a backseat to more immediate economic concerns, even if...
Read MorePlan a Date for a Heart-to-Heart Couple’s Talk About Retirement Planning
Retirement planning may not be your idea of an exciting date night. However, retirement strategies and goals are so varied that couples in committed relationships need to set aside time to discuss plans for when they leave the...
Read MoreNewsletter: Before moving forward, it is always Good to Revisit the Past
There’s almost always some value in reflecting on the past year before looking ahead. The same is true for the markets. Looking back on 2022, it’s easy to identify the challenges—but if we look closer, we can also uncover some opportunitie
Read MoreNewsletter: Are We In the Home Stretch of Winter?
Allow me to share with you an ongoing debate I am having with my wife ….. it is regarding the second half of January. It has always seemed to me that the end of January is just about the “Home Stretch ‘ of winter
Read MoreInflation: The Not-So-Silent Retirement Killer
Your long-term retirement strategies must account for inflation – or else. You hear it all the time: you should make sure your retirement savings at least keep pace with inflation. But what is inflation and how does it...
Read MoreFacing Down the Fear of Running out of Money
Tips to avoid one of the biggest retirement worries that all of us will face. Retirement is a major milestone that brings many life changes. One thing that doesn't change for most people: the fear of running out of money. In fact,...
Read MoreHow to Build a Retirement Plan
A recent survey revealed that four out of every 10 Americans don't believe they'll ever be able to afford to retire.1 But this pervasive belief may be too pessimistic. Even if your retirement account balances are behind schedule, there...
Read MoreQ4 EARNINGS PREVIEW: PESSIMISM MAY BE OVERDONE
Fourth quarter earnings season is underway and probably won’t bring much good news. Lackluster global growth, ongoing profit margin pressures from inflation, and negative currency impacts are likely to translate into year-over-year decline
Read MoreNewsletter: Best Wishes for a Happy 2023/ Reasons for Optimism
After a challenging economic year, some people may wonder if is this really the case. We are receiving reports to be cautious in 2023. However, there is also much historical evidence that despite difficulties there is a path forward.
Read More3 Myths About Converting an IRA to a Roth IRA After Age 60
Suppose you have read or watched a story about converting an IRA to a Roth IRA after age 60. In that case, you may have seen this strategy portrayed negatively or only highlighting the benefits. This article will cover myths about...
Read MoreHow to Prepare for Retirement
Whether you’re just starting your career or are planning to retire this year, it’s never too soon or too late to start preparing for your retirement. What this entails may be different from person to person, but there are a...
Read MoreYour Financial Fresh Start: 12 Resolutions in 12 Months
Change may be difficult, especially when you try to change your financial habits. The process might be easier if you take an incremental approach. Do you want to get on top of your finances this year? Are you looking for ways to...
Read MoreNewsletter: Economy Reports/ Outlook 2023
I am taking a minute to share with you several recent economic reports. As you well know, the US and the World are going through challenging economic times. I wanted to share these reports with you.
Read MoreA Retirement Countdown Checklist: 5 Steps to Consider Before Retirement
Whether you're hoping to retire soon or are just beginning to explore the idea of stepping back from your job, you're probably wondering how to make it happen. In our latest blog, you’ll find a useful countdown of the five biggest steps to
Read MoreIs There Something Bugging You?
Is something bugging you? Is there a financial question that you just haven’t been able to get an answer to? Keeping you up at night?
Read MoreNewsletter: Financial Calculators to Help You On Your Financial Journey
I am sharing with you several tools that might be helpful as you go through your financial journey. These are financial calculators that I have gathered on my website, www.retirewithgary.com.
Read MoreLike Ugly Christmas Sweaters, Retirement Planning Is Not ‘One Size Fits All’
Just as every snowflake is unique, so is every person's retirement plan. Most retirement saving strategies work, but not for everyone. In this article, we show how you can forge your own path to a successful retirement through a couple of e
Read MoreAre There Guideposts Along the Way to a Successful Financial Journey?
Are there guideposts on the way to a successful investment journey? Where are the best routes? Are there examples of those who have passed ahead of us? Do we take advantage of good climates?
Read MoreLPL Research Outlook 2023: Finding Balance
LPL Research’s Outlook 2023: Finding Balance is our guide to how the readjustments in the economy and markets may impact you in the coming year. The disruptions may not be fully resolved and there may be more challenges to come, but progres
Read MoreA Look at Tax Planning for Retirement
While you will likely see a reduction in the amount of taxes you owe after the age of 65, you still need to plan ahead if you want to minimize your tax bill from the IRS.
Read MoreThere is a Time to Be Cautious and a Time to Be Opportunistic
Using all the colors , patterns and styles available is fun in fashion, but sometimes it is crucial in investing. There is a time to be cautious and a time be more opportunistic. Sometimes we need a little bit of each
Read MoreFive Common Misconceptions About Retirement
Retirement is not what you retire from, but what you retire to.When you plan for retirement, an exciting new phase of life, double-check your expectations. They may not match the reality.Baby boomers, currently in their 50s and 60s,...
Read MoreThe Path Forward Is Not Always Clear
There's a lot we can look at and try to see into the future, but sometimes it's just not clear...do we stay the same and not move forward? Or do we need to go into uncharted territory? Will we move all at once or slowly? Want to look...
Read MoreWhat role does Social Security play in your retirement income strategy?
As you near retirement, it's likely you'll have many questions about Social Security. How much will your retirement benefit be? When should you apply? Will earnings from a part-time job affect your benefit? Social Security has always...
Read MoreRetire With Gary: Inflation & Retirement
I know you know what I am talking about!!!!! You see it and live it too!!! Prices are shooting up everywhere. This is one of the most important reasons we take such care to manage your retirement portfolio. I will work with you side by side
Read MoreIRS Increases 401(k) Limit By Record Amounts
As inflation soars, you can now save a lot more for your retirement.On October 21st, the Internal Revenue Service (IRS) announced that the amount individuals can contribute to their 401(k) plans in 2023 has increased to $22,500, up...
Read MoreIs it Meant to Be Admired or to Be Enjoyed?
Moving forward with uncertainty is always a challenge. Having someone with you to assist you in evaluating your steps forward is crucial to your future financial success. www.RetirewithGary.com
Read MoreYear-End Planning for Retirees
As we approach the last quarter of each year, it is a good time to plan for the next one. Year-end planning is especially important for existing retirees and those hoping to retire in the next few years. There are tax and income...
Read MoreWhat is Standing In Your Way?
One of the hallmarks of working with Gary Pawliczek, Financial Advisor is his commitment to anticipating and adjusting to financial market changes. We all encounter unexpected obstacles in life. Get around them with someone in your corner
Read MorePreserve Your Retirement Savings with LTCi
If you are part of the baby boomer generation (born between 1944 and 1964), you may already know how important it can be to save for your retirement. Little remains of the security our parents may have enjoyed through company pensions....
Read MoreRetirement Planning: To Roth or Not to Roth?
When saving for retirement, it often makes sense to contribute to employer-sponsored retirement plans to take advantage of any available employer match opportunities. However, not everyone has access to an employer-sponsored plan.
Read MoreRetirement Plans and Estate Planning
When you die, what will happen to your retirement plan benefits? In general, your retirement plan benefits pass to the beneficiaries you designate on the plan beneficiary designation form.
Read MoreWhy Financial Planning Retirement is For Everyone
When it comes to retirement plans, there is no one-size-fits-all approach for how to invest. While there are some basic strategies everyone should follow, it’s important to keep in mind retirement plans will vary, depending on...
Read MoreFactors to Consider When Setting a Retirement Savings Goal
Many Americans realize the importance of saving for retirement, but knowing exactly how much they need to save is another issue altogether. With all the information available about retirement, it is sometimes difficult to decipher what...
Read MoreHave You Checked Your Retirement Plan Lately
It's generally a good idea to review youremployer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven't given your plan a thorough review within the last 12 months, now may be a...
Read MoreKick-Starting Your Retirement with a 401(k) Plan
The 401(k) pension plan, named after that section of the Internal Revenue Service Code that created it, has become one of the most popular retirement plans in the market.
Read MoreAging Gracefully: 6 Healthy Ways to Enjoy Your Retirement
Retirement is an exciting time. You have worked hard all of your life and now get to take advantage of the fruits of that hard labor. While retirement is the perfect time to tackle to-do lists and all of the things you have always wanted, y
Read MoreStaying on Track with Your Retirement Investments
Investing for your retirement isn't about getting rich quickly. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and...
Read MoreThe Great Resignation: What to Know About Recent Retirement Trends
By the end of 2021, the ‘Great Resignation’ had already led to more than 3 million American workers announcing their retirements. While this trend has recently shown some signs of slowing, such a massive wave of retirements...
Read More