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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.
Estate Planning & You: Getting Ready for 2026 (Without Freaking Out)
state planning sounds like something for billionaires in marble mansions… not for regular people with a mortgage, a 401(k), a dog, and a favorite taco spot. But here’s the truth:If you love someone or own something, you need some kind of estate plan. As we head toward...
Retirement Planning in 2026: How to Prepare for a New Era of Retirement
If you feel like retirement has gotten more complicated, you’re not imagining things. Between market volatility, rising costs, new tax rules, and longer life expectancies, “set it and forget it” retirement planning just doesn’t work anymore. The good news? With a...
Retirement Planning in 2026: A Practical Playbook (and How Annuities Can Help)
TL;DR: Going into 2026, retirees face two big realities: markets that still swing and a shifting tax landscape. Focus on dependable income, flexible tax buckets, and a plan for withdrawals/RMDs. Annuities—used correctly—can add durability to a retirement paycheck...
Retirement Planning Heading Into 2026: 7 Smart Moves For Clients Right Now
As 2025 winds down, retirement planning is shifting under three big spotlights: taxes in 2026, retirement plan rule updates, and Medicare drug-cost changes. Here’s a practical, client-friendly guide you can publish — plus talking points to spark action before...
Why Life Insurance Belongs in Your Retirement Plan
Quick Take Life insurance isn’t just for parents with mortgages. The right policy can: protect a spouse’s income plan if one Social Security check disappears create tax-advantaged cash you can access in down markets cover final expenses and debts so heirs keep what...
Annuities 101: Why They’re (Sometimes) a Great Idea for Retirement
Quick Take Annuities are insurance contracts that can turn a portion of your savings into guaranteed income you can’t outlive. For the right person, they lower stress, steady cash flow, and reduce the chances of running out of money—especially when markets are jumpy....
Retirement Income Planning: A Practical Guide for Turning Savings Into a Sustainable Paycheck
Key Takeaways (TL;DR) Retirement success is less about “the number” and more about cash-flow durability, tax efficiency, and risk control. A resilient plan blends guaranteed income (Social Security, pensions, annuity floors) with market growth and cash reserves. Smart...
Integrating Life Insurance & Fixed Indexed Annuities: A Smarter Way to Protect, Grow, and Distribute Retirement Wealth
Big idea: Life insurance and fixed indexed annuities (FIAs) aren’t either/or. Used together, they can help protect income, manage taxes, and transfer wealth more efficiently—especially in volatile markets. Why these two tools belong in the same conversation Most...
Why Fixed Indexed Annuities Are a Smart Choice for Retirement Planning
When planning for retirement, one of the greatest challenges is balancing growth potential with protection of principal. Many investors seek opportunities that allow for upside potential without exposing their hard-earned savings to the full risk of market volatility....
Weekly Market Commentary
The holiday-shortened week saw global financial markets trade higher. Increased optimism for a December rate cut, along with some constructive news on the AI front, catalyzed buying across risk assets. Several Fed officials indicated they were inclined to support a...
Weekly Market Commentary
Financial markets continued to decline as investors sold AI-related stocks amid valuation concerns, while rotating into more defensive sectors such as healthcare and consumer staples. A stellar third-quarter earnings report from NVidia prompted investors to step in...
Weekly Market Commentary
Markets were choppy and ended the week with mixed results. Investors poured into risk assets on the idea that the longest US government shutdown was over, but a more hawkish tone from several Fed officials recalibrated expectations for a December rate cut and...
Weekly Market Commentary
Well, the market finally had a significant pullback, but not before the S&P 500 and NASDAQ were able to set another all-time high. The week began with a deal between OpenAI and AMD, sending AMD shares nearly 24% higher. The deal catalyzed the technology sector...
Weekly Market Commentary
Investors sent US markets to another set of all-time highs despite concerns about an extended government shutdown. The U.S. government shutdown was largely dismissed by markets last week, which came as a surprise given that several key economic data sets (Initial...
Weekly Market Commentary
The S&P 500 hit a 28th record high for the year before settling lower for the week. Investors endured a choppy week of trading as better-than-expected economic data and better-than-feared inflation data tempered the notion of additional rate cuts. Several Fed...
Weekly Market Commentary
The major US equity market indices forged another set of all-time highs as investors went all in on risk assets after the Federal Reserve announced a twenty-five basis point cut to its policy rate and telegraphed the potential for three more cuts by January 2026. The...
Weekly Market Commentary
US equity indices posted another set of all-time highs as investors increased expectations for three, twenty-five basis point rate cuts by year's end. Inflation data reported for the week essentially gave the Fed the green light for a September rate cut....
Weekly Market Commentary
Investors sent the S&P 500 to another all-time high in a holiday-shortened week of trading. President Trump started the week by asking the Supreme Court to expedite a hearing to challenge the International Trade Court and the Federal Court of Appeals rulings that...
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No Joke – Today is a Required Beginning Date!
By Andy Ives, CFP®, AIF® IRA Analyst Today is April 1, and that’s a big day! No, not because it’s April Fool’s Day, but because today is the required beginning date (RBD) for any traditional IRA owner who turned age 73 in 2025. Based on census data, that could...
8 Rules to Help Navigate the Multiple Plan Contribution Limits
Ian Berger, JD IRA Analyst More and more Americans are taking on “side gigs” or switching jobs. When that happens, they often wind up participating in two different employer retirement plans at the same time or in the same year. Here are 8 rules to help you understand...
Eligible Designated Beneficiaries and Roth Conversions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hi Ed and team, If a parent, age 86, inherited their son’s 401(k) after the son passed at age 58, does the parent still have 10 years to withdraw the funds? A lot is discussed about beneficiaries...
5 Things You Need to Know about the Roth IRA Five-Year Rules
By Sarah Brenner, JD Director of Retirement Education Here at the Slott Report, we get a lot of questions on all sorts of different IRA topics. However, one area where we consistently get the most inquiries is the five-year rules for Roth IRA distributions....
Young Spouse, Spousal Rollover, Year-of-Death RMD…and a Penalty?
By Andy Ives, CFP®, AIF® IRA Analyst When an IRA owner reaches the required beginning date (RBD), required minimum distributions (RMDs) are officially “turned on.” For IRAs, the RBD is April 1 of the year after the year the IRA owner turns age 73. If an IRA owner died...
Roth 5-Year Clocks and Spousal IRA Contributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I’m age 72 and my wife is age 63. I want to open a spousal Roth IRA. I already have a Roth for myself that I’ve owned for more than 5 years. Would she have to wait 5 years before she can make a withdrawal without a...
Moving the Clocks Ahead and Reviewing the Roth IRA 5-Year Clocks
By Ian Berger, JD IRA Analyst A few Saturdays ago, many of us moved our clocks one hour ahead to usher in Daylight Saving Time. Adjusting our clocks is a reminder to review the confusing rules surrounding the Roth IRA distribution clocks. It’s no surprise that...
5 Reasons to Roll Over Your Retirement Funds to an IRA
By Sarah Brenner, JD Director of Retirement Education In these turbulent economic times, the headlines are full of news about layoffs. With job loss can come questions about what to do with retirement savings such as your 401(k) plan. A rollover to an IRA may...
Qualified Charitable Distributions and Roth IRA 5-Year Rules: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Hello Mailbag Folks, I may have missed something in one of the Ed Slott newsletters, but I thought that if one contributed to a non-profit directly from an IRA account to the non-profit, the amount would not be taxed. I made my...
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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