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The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Abundance Advisers, deems reliable but in no way does Abundance Advisers guarantee its accuracy or completeness. Abundance Advisers had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Abundance Advisers. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Abundance Advisers, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
The Four Risks That Can Quietly Undermine Your Retirement Plan
Retirement planning is about more than reaching a particular savings goal. Even a substantial portfolio can face pressure from risks that are easy to underestimate—including market volatility, inflation, rising healthcare costs, and the possibility of living longer...
Tax-Efficient Retirement Planning: It’s Not Just What You Save—It’s What You Keep
Saving for retirement is one of the most important financial commitments you can make. But building a sizable retirement account is only part of the equation. The amount you are ultimately able to spend may also depend on how—and when—your retirement income is taxed....
The Retirement Expense Many Families Forget to Plan For
Why Long-Term Care Deserves a Place in Your Financial Strategy Most people spend years preparing for retirement. They estimate how much income they may need, decide when to claim Social Security, review their investments, and think about Medicare. Yet one potentially...
Your Retirement Plan May Look Complete—But Is It Truly Connected?
Most people do not build their retirement strategy all at once. They accumulate different financial products and accounts throughout their lives. A 401(k) may come from a former employer. An IRA may be held somewhere else. Life insurance might have been purchased...
The Human Advantage: Why Financial Advice Matters More in the Age of AI
Artificial intelligence is changing nearly every industry, and financial services are no exception. Today, consumers have access to sophisticated calculators, retirement projections, investment research, budgeting applications, and AI-powered tools that can provide...
Fixed Indexed Annuities: A Retirement Strategy Designed for Growth Potential Without Direct Market Risk
As retirement approaches, one question becomes increasingly important: How do you continue growing your retirement savings while protecting what you've worked so hard to build? For many Americans, market volatility has made that decision more challenging than ever....
Life Insurance in 2026: It’s More Than a Death Benefit
When many people hear the words "life insurance," they immediately think about protecting loved ones after they're gone. While that remains one of its most important purposes, today's life insurance solutions can offer much more. In 2026, life insurance has evolved...
How a Fixed Indexed Annuity Can Work for You in 2026
As Americans continue preparing for retirement in an uncertain economic environment, many are looking for ways to protect their savings while still having the opportunity for growth. With inflation, market volatility, and changing interest rate expectations continuing...
The Biggest Retirement Risk Isn’t the Market—It’s Having No Plan
When people think about retirement, they often focus on one thing: the stock market. They worry about the next downturn, the next recession, or the next headline predicting financial uncertainty. While market volatility is certainly something to consider, it may not...
Weekly Market Commentary
Markets finished the week mixed as investors assessed the escalation of tensions between the US and Iran and recalibrated expectations of Federal Reserve monetary policy. The week started with sharp declines after the US hit targets on an island in the Strait of...
Weekly Market Commentary
Markets ended the week mixed as investors assessed the implications of the US economic isolation of Iran, the fallout of increased tariffs on Canada, Nvidia Q2 earnings results, and the Fed Chairman’s speech at the Kansas City Federal Reserve’s Economic Symposium in...
Weekly Market Commentary
US equity markets took a step back last week in what turned out to be a very busy week. Increased yields on the long end of the curve prompted Treasury Secretary Scott Bessent to double buybacks of 10- to 30-year US Treasuries in an effort to temper the rise in...
Weekly Market Commentary
The S&P 500 forged a new all-time high as investors recalibrated interest-rate-hike expectations after an in-line print of the Consumer Price Index and a cooler-than-expected print of the Producer Price Index. The probability of a rate hike in September fell to...
Weekly Market Commentary
Giddy up! US equity markets ripped higher in the first week of August as 2nd quarter earnings continued to impress. According to FactSet, 88% of the S&P 500 have reported earnings, of which 86% have beaten Earnings Per Share estimates, while Earnings Per Share...
Weekly Market Commentary
It was an extremely busy week on Wall Street, with investors having to assess increased geopolitical tensions in the Middle East alongside a deluge of corporate 2nd-quarter earnings results, several central bank monetary policy decisions, and a full economic...
Weekly Market Commentary
US equity indices declined for a second consecutive week despite a strong start to second-quarter earnings. With just over 25% of the S&P 500 reporting, top- and bottom-line growth rates have been better than anticipated. Results this week from Google, Intel, and...
Weekly Market Commentary
Markets took a step back last week despite a better-than-expected start to second-quarter earnings and benign inflation data. Semiconductor names continued to come under pressure, especially the memory names, as the sector entered into bear territory, off 20% in just...
US markets finished the week mixed in volatile trade. The rotation from technology into other parts of the market reversed this week, as leadership from mega-cap tech names and semiconductors powered the market higher. News that China would allow the purchase of...
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Health Savings Accounts and IRA Rollovers: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I have a question regarding joint health savings accounts (HSAs). What happens if an HSA is shared with a spouse who is not yet eligible for Medicare? Can that spouse continue to contribute if they remain enrolled in a...
The Same-Property Rollover Rule Gets No Respect
By Ian Berger, JD IRA Analyst Many of you are probably aware of the 60-day rollover deadline and the once-per-year rollover rule. But there’s a third IRA rollover restriction you may be less familiar with: the “same-property rule.” The same-property rule is the Rodney...
5 Things to Know About HSAs at Age 65
By Sarah Brenner, JD Director of Retirement Education The unfortunate reality for many Americans is that medical expenses will be a large part of their expected budget in retirement years. Health Savings Accounts (HSA), which continue to grow both in numbers and in...
Can My Terminally-Ill Client Qualify For a Penalty-Free IRA Withdrawal?: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst QUESTION: I have a client who is age 52 and is being placed on hospice due to his battle with cancer. I understand that there is a provision in the SECURE 2.0 Act that allows individuals to withdraw from their IRAs prematurely without the...
Top 10 RMD Mistakes
By Andy Ives, CFP®, AIF® IRA Analyst IRA owners and retirement plan participants trip over the required minimum distribution (RMD) rules all the time. Bad advice is provided, misinformation is freely disseminated on TikTok, and sometimes smart individuals do...
Inherited IRAs and Roth IRA Portability: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education QUESTION: Are there any penalties/consequences/tax issues if I move money from a Roth IRA to start a new Roth IRA at another company? Thanks, Ramona ANSWER: Hi Ramona, Roth IRA funds are portable. There are no...
Can I “Borrow” From My IRA?
By Sarah Brenner, JD Director of Retirement Education With the cost of food, energy, healthcare and other basics on the rise, many Americans are facing a cash crunch. For some, their IRA is their largest asset. Therefore, it is not surprising that they may be looking...
72(t) On a Roth IRA?
By Andy Ives, CFP®, AIF® IRA Analyst The 72(t) rules (“series of substantially equal periodic payments”) allow a person to tap retirement dollars before age 59½ without a 10% early distribution penalty. However, to gain early access to the funds, the IRA owner must...
Qualified Charitable Distributions and the 10-Year Rule: Today’s Slott Report Mailbag
Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I did a qualified charitable distribution (QCD) in early January of 2026 to cover a portion of my required minimum distribution (RMD), then took the rest of the RMD before I processed a Roth conversion. Am I now allowed to...
Regular Review
Your life will change. And your plan must change with it. At our regular plan reviews we check for progress, realign to new information, and address any information that is out of date. Our support team is here for you to get you the answers you need when you need them. Regular plan reviews are just another part of doing it the right way.
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