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    Have You Budgeted for Retirement?
    John J. Diak, CFP®
    • Mar 26, 2019
    • 2 min

    Have You Budgeted for Retirement?

    Whether you’re nearing retirement or have many years to go, calculating what your retirement budget will be will help you plan and make the
    A Retirement Fact Sheet
    John J. Diak, CFP®
    • Jan 29, 2019
    • 3 min

    A Retirement Fact Sheet

    What financial facts should you consider as you retire? What monetary realities might you need to acknowledge as your retirement progresses
    When You Retire Without Enough
    John J. Diak, CFP®
    • Dec 4, 2018
    • 3 min

    When You Retire Without Enough

    If you start your retirement with inadequate savings, you may end up living a watered down version of your retirement dreams.
    Debunking a Few Popular Retirement Myths
    John J. Diak, CFP®
    • Oct 23, 2018
    • 4 min

    Debunking a Few Popular Retirement Myths

    Some retirement myths have been around for decades, while others are have recently joined their ranks. Take a look at these seven popular re
    A Look at HSAs
    John J. Diak, CFP®
    • Sep 4, 2018
    • 3 min

    A Look at HSAs

    An HSA can potentially offer them: a pool of tax-exempt dollars for health care, a path to tax savings, even a possible source of retirement
    Adjusting Your Portfolio as You Age
    John J. Diak, CFP®
    • May 29, 2018
    • 3 min

    Adjusting Your Portfolio as You Age

    As you approach retirement, it may be time to pay more attention to investment risk. Rebalancing your portfolio with your time horizon in mi
    For Retirement, Income Matters as Much as Savings
    John J. Diak, CFP®
    • Apr 17, 2018
    • 3 min

    For Retirement, Income Matters as Much as Savings

    Although your retirement benefits may be taxed, more retirement income is decidedly better than less – and a key part of retirement planning
    Things to Consider if You Plan to Retire Before 60
    John J. Diak, CFP®
    • Mar 13, 2018
    • 4 min

    Things to Consider if You Plan to Retire Before 60

    Any early retirement is a critical financial juncture in your life, and whether you find yourself at it by choice or by chance, your decisio
    Avoiding the Money Pitfalls of Past Generations
    John J. Diak, CFP®
    • Feb 27, 2018
    • 3 min

    Avoiding the Money Pitfalls of Past Generations

    You have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that. Avoid
    The Many Benefits of a Roth IRA
    John J. Diak, CFP®
    • Feb 20, 2018
    • 4 min

    The Many Benefits of a Roth IRA

    The Roth IRA changed the whole retirement savings perspective. Since its introduction, it has become a fixture in many retirement planning s
    Can We Afford to Live to 100?
    John J. Diak, CFP®
    • Jan 9, 2018
    • 3 min

    Can We Afford to Live to 100?

    Some of us may retire at 65 and live to 100 or 105. Advances in health care may make this a strong possibility. The corresponding question i
    Retirement Plan Contribution Limits Rise for 2018
    John J. Diak, CFP®
    • Dec 19, 2017
    • 2 min

    Retirement Plan Contribution Limits Rise for 2018

    You will able to put a little more into your workplace retirement account in 2018. The federal government raised the annual contribution lim
    Is a SIMPLE IRA Right for Your Business?
    John J. Diak, CFP®
    • Oct 17, 2017
    • 3 min

    Is a SIMPLE IRA Right for Your Business?

    Do you want a simple retirement plan you can implement easily as an independent contractor or small business owner? A SIMPLE IRA plan gives
    Who Needs Estate Planning?
    John J. Diak, CFP®
    • Jul 18, 2017
    • 3 min

    Who Needs Estate Planning?

    If you don’t leave behind an estate plan, your family could face major legal issues and (possibly) bitter disputes; making the plan may leav
    Why Retirees Need Good Credit Scores
    John J. Diak, CFP®
    • Jun 20, 2017
    • 3 min

    Why Retirees Need Good Credit Scores

    TransUnion recently surveyed baby boomers and discovered that nearly half thought their credit scores would become less important after they
    Should You Apply for Social Security Now or Later?
    John J. Diak, CFP®
    • Jun 13, 2017
    • 3 min

    Should You Apply for Social Security Now or Later?

    You know how much retirement money you have. Other factors aren’t as foreseeable. You don’t know exactly how long you will live, so you can’
    The Rough Consequences of Not Saving for Retirement
    John J. Diak, CFP®
    • Jun 6, 2017
    • 3 min

    The Rough Consequences of Not Saving for Retirement

    Putting away a percentage of one’s income, money that could be used for any number of bills or luxuries, is a sacrifice made in the present
    Could Insurance Rescue You in Retirement?
    John J. Diak, CFP®
    • May 23, 2017
    • 3 min

    Could Insurance Rescue You in Retirement?

    Insurance matters more in retirement planning than you may think. It is seldom “top of mind” in retirement planning conversations, but the r
    2017 Retirement Account Limits
    John J. Diak, CFP®
    • Feb 6, 2017
    • 3 min

    2017 Retirement Account Limits

    How much can you contribute this year? In 2017, you have another chance to max out your retirement accounts. Here is a rundown of yearly contribution limits for the popular retirement savings vehicles. IRAs. The 2017 limits are the same as in 2016: $5,500 for IRA owners who will be 49 and younger this year, $6,500 for IRA owners who will be 50 or older this year. These limits apply to both Roth and traditional IRAs.(1) What if you own multiple IRAs? This $5,500/$6,500 limit a
    Retirement Confidence: It's All In The Plan
    John J. Diak, CFP®
    • Aug 19, 2015
    • 3 min

    Retirement Confidence: It's All In The Plan

    Americans' confidence in the ability to afford a comfortable retirement continues to rebound from the lows reported between 2009 and 2013. The increasing optimism is coming largely from workers who indicate they and/or their spouse have a retirement plan, such as a defined contribution (401(k)-type) plan, defined benefit (pension) plan, or individual retirement account (IRA). This is one of the key takeaways from the 25th annual Retirement Confidence Survey (RCS) -- the longe
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