Retirement planning, investing, fee-only fiduciary advice, wealth and tax strategy from Byron Studdard, CFP® — written in plain language.
Understand investment risk, the threats that matter most, and how a disciplined, fiduciary-led plan can help protect retirement decisions for families.
Most people put off planning for retirement until a birthday or a market scare forces the issue. By then, you’ve lost years you can’t get back. Whether you’re 28 or 58, the math works the same way: the earlier you build a strategy, the less you have to save each month
Investment advice for pre-retirees: build retirement income, manage market risk, coordinate taxes, and make confident choices before work ends securely.
Most couples spend more time planning a vacation than they do planning the 20 or 30 years they’ll spend retired together. That’s a problem, because retirement planning for couples rarely fails on the math. It fails when one partner wants to retire at 62 and the other wants to work until
If your income puts you above the Roth IRA limits, you’ve probably assumed you’re locked out of tax-free retirement growth. You’re not. A backdoor Roth IRA conversion is a legal, IRS-sanctioned workaround that lets high earners fund a Roth account even when their paycheck disqualifies them from contributing directly. Many business
Byron’s free financial planning eBook covers retirement strategy, investing, wealth preservation and tax-efficient planning.
