Tuesday, August 22, 2023

Even if you are already retired, it doesn't mean you should stop trying to grow your savings. Inflation, unexpected medical bills, and changes to your lifestyle or family may result in the need for additional income than you initially...

Tuesday, August 15, 2023

If you have a 401(k) plan at work and need some cash, you might be tempted to borrow or withdraw money from it. But keep in mind that the purpose of a 401(k) is to save for retirement. Take money out of it now, and you'll risk running...

Tuesday, August 8, 2023

As the global economy grapples with uncertainty, investors' perceptions of a financial crisis diverge significantly along generational lines. While older generations, particularly Gen X and Baby Boomers, lean towards pessimistic views,...

Tuesday, August 1, 2023

Planning for your financial future and retirement looks much different now than in previous years. Some people must supplement their Social Security to have enough to maintain their desired lifestyle. This means financial planning is...

Friday, July 28, 2023

I am enclosing the Mid-Year Outlook from LPL Financial Research, along with an introductory letter. A brief skim of the intro letter provides a glimpse of the current thinking from LPL Research.

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Wednesday, July 26, 2023

I hope you are enjoying the warm weather and our recent holidays. Any fun plans for the fourth of July?   Traveling? Relax at home? Either way, I hope you find a few moments to relax and enjoy our beautiful world.   Smell the...

Tuesday, July 18, 2023

Social isolation makes people more susceptible to illness and death.1 While retirement is a time for relaxation and enjoyment from a lifetime of work, it may lead to a lack of purpose if you have depended on work for social activities...

Wednesday, July 12, 2023

The insights in LPL Research’s Midyear Outlook 2023: The Path Toward Stability will help position investors, along with guidance from their financial professional, to achieve their goals by providing guidance and actionable insights as the

Tuesday, July 4, 2023

In late May 2023, Congress sent a letter to U.S. Treasury Secretary Janet Yellen and IRS Commissioner Daniel Werfel saying that it will introduce legislation to correct several technical errors in the SECURE 2.0 Act. The letter, signed...

Monday, July 3, 2023

With the debt ceiling drama behind us, markets will likely return their attention to topics such as inflation, the health of the economy, and the Federal Reserve (Fed). 

Monday, June 26, 2023

Your goals and priorities will probably change as you plan to retire. Along with them, your insurance needs may change as well. Retirement is typically a good time to review the different parts of your insurance program and make any...

Monday, June 19, 2023

Retirement is a time that many of us look forward to our entire careers. It is the reward for a lifetime of work and the time to indulge in hobbies and enjoy much-needed vacations. While everyone looks forward to this seemingly-magical...

Tuesday, June 13, 2023

Nearly three quarters of workers and 77% of retirees in a recent survey said they remain at least somewhat confident that they will experience a comfortable retirement, according to the Employee Benefit Research Institute.

Monday, June 5, 2023

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...

Friday, May 26, 2023

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.

Thursday, May 25, 2023

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

Wednesday, May 17, 2023

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.

Thursday, May 11, 2023

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...

Friday, May 5, 2023

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? 

Wednesday, May 3, 2023

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:

Sunday, April 30, 2023

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. ...

Monday, April 24, 2023

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...

Tuesday, April 18, 2023

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...

Monday, April 17, 2023

From unexpected weather patterns to unexpected economic patterns….  It is ok to admit that sometimes economic and other news can be worrisome or distracting.

Monday, April 10, 2023

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

Monday, April 3, 2023

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.

Tuesday, March 28, 2023

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.

Friday, March 24, 2023

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

Thursday, March 16, 2023

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.

Wednesday, March 8, 2023

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...

Tuesday, March 7, 2023

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...

Friday, March 3, 2023

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

Saturday, February 25, 2023

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...

Tuesday, February 14, 2023

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...

Thursday, February 9, 2023

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

Monday, February 6, 2023

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

Friday, February 3, 2023

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...

Saturday, January 28, 2023

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,...

Monday, January 23, 2023

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...

Thursday, January 19, 2023

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

Wednesday, January 18, 2023

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.

Tuesday, January 17, 2023

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...

Monday, January 9, 2023

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...

Thursday, January 5, 2023

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...

Wednesday, December 28, 2022

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.

Tuesday, December 27, 2022

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

Wednesday, December 21, 2022

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, 

Wednesday, December 21, 2022

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?

Tuesday, December 20, 2022

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

Wednesday, December 14, 2022

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?

Thursday, December 8, 2022

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

Wednesday, December 7, 2022

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

Wednesday, December 7, 2022

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.

Sunday, November 27, 2022

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,...

Friday, November 25, 2022

There's a lot we can look at and try to see into the future, but sometimes it's just not 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...

Saturday, November 19, 2022

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...

Friday, November 18, 2022

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

Tuesday, November 15, 2022

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...

Friday, November 11, 2022

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.

Thursday, November 10, 2022

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...

Friday, November 4, 2022

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....

Friday, November 4, 2022

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

Monday, October 24, 2022

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.

Monday, October 17, 2022

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.

Monday, October 10, 2022

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...

Thursday, October 6, 2022

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...

Tuesday, September 27, 2022

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...

Wednesday, September 7, 2022

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.

Thursday, September 1, 2022

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

Wednesday, August 24, 2022

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...

Tuesday, August 23, 2022

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...