Retirement planning, investing, fee-only fiduciary advice, wealth and tax strategy from Byron Studdard, CFP® — written in plain language.
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
Tax-Efficient Estate Planning Strategies for Retirement-Focused Families help coordinate heirs, taxes, charitable goals, and retirement accounts for clarity.
Retirement taxes aren’t inevitable — they’re a planning problem. Here are the five fee-only, fiduciary strategies I use most often to help retirees keep more of what they’ve saved in 2026, from Roth conversion timing to charitable giving through IRAs.
Byron’s free financial planning eBook covers retirement strategy, investing, wealth preservation and tax-efficient planning.
