When you think of lifetime income streams, what’s the first thing that comes to mind? For most Americans, it’s Social Security—and for good reason. According to the Employee Benefit Research Institute (EBRI), nearly 80% of retirees depend on Social Security,…
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The Impact of Inflation on Fixed-Income Investments — And How to Protect Your Purchasing Power
Navigating Medicare enrollment can be complex, but understanding the key deadlines and potential penalties is crucial for a financially secure retirement. At Goldstone Financial Group, we aim to empower you with the knowledge to make informed decisions about your medicare…
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Beginner’s Guide to Roth Conversions in Retirement
As you prepare for retirement, one financial strategy gaining renewed attention is the Roth conversions—the process of moving money from a tax-deferred account like a Traditional IRA or 401(k) into a Roth IRA. While this decision involves paying taxes upfront,…
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Understanding Annuities: Secure Your Retirement Income
As you approach retirement, one of the most pressing financial concerns is ensuring that your income doesn’t run out. Social Security and personal savings can help, but they may not be enough to cover decades of expenses—especially as longevity increases….
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Avoid Medicare Enrollment Penalties: Essential Guide
Navigating Medicare enrollment can be complex, but understanding the key deadlines and potential penalties is crucial for a financially secure retirement. At Goldstone Financial Group, we aim to empower you with the knowledge to make informed decisions about your medicare…
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Early Retirement Planning: Pros and Cons You Need to Know
Early retirement planning is an increasingly popular goal, especially among Americans in their 40s and 50s who dream of more freedom, better health coverage, and time to pursue passions. In recent years, movements like FIRE (Financial Independence, Retire Early) have…
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Digital Asset Estate Planning: Why It’s Essential Today
In today’s digital age, estate planning is no longer limited to physical assets, financial accounts, and real estate. With the rise of technology, many individuals now possess a wide range of digital assets—from cryptocurrencies and online banking accounts to social…
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ESG Investing: A Guide to Portfolio Growth in Retirement
The global movement towards responsible investing has made ESG factors more important in retirement portfolios. ESG investing adds environmental, social, and governance aspects to the investment decision process. This helps retirees and other investors find ethical and sustainable options while…
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Understanding the Impact of SECURE Act 2.0 on Your Retirement
As retirement rules evolve, staying informed is essential. The SECURE Act 2.0, signed into law in late 2022, builds on the original SECURE Act of 2019. This new legislation introduces over 90 changes aimed at enhancing retirement readiness across all…
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How Changing Family Dynamics Impact Retirement Planning
Retirement planning has evolved significantly over the past few decades. What was once a straightforward process — save consistently, retire at 65, and live off your savings and Social Security — is now far more complex. One of the primary…
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