Rodgers & Associates https://rodgers-associates.com/ Wealth Advisers Tue, 19 May 2026 14:09:28 +0000 en-US hourly 1 https://rodgers-associates.com/wp-content/uploads/cropped-rodgers-icon.png Rodgers & Associates https://rodgers-associates.com/ 32 32 Are Your Investments as Diversified as You Think? https://rodgers-associates.com/blog/are-your-investments-diversified/ Mon, 18 May 2026 20:48:39 +0000 https://rodgers-associates.com/?p=21930 Owning multiple mutual funds or ETFs may seem diversified at first glance, but hidden overlap can create unnecessary risk and complexity. Learn how true investment diversification focuses on clarity, balance, and long-term strategy.

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]]> Ask an Adviser: What should I do with Paper U.S. Savings Bonds? How to Convert Paper U.S. Savings Bonds to Electronic Bonds.  https://rodgers-associates.com/blog/converting-paper-u-s-savings-bonds-to-electronic-format/ Tue, 05 May 2026 13:46:54 +0000 https://rodgers-associates.com/?post_type=advisor_blog&p=12328 Converting your paper savings bonds to an electronic format allows you to access their current rate and value, which is especially important as you plan for retirement.

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]]> What is The Widow’s Tax and How Will It Affect Me? https://rodgers-associates.com/blog/widows-tax-will-affect/ Tue, 21 Apr 2026 13:03:00 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=10771 Losing a spouse is an incredibly emotional experience, and many are surprise to learn that it can also come with an unexpected financial penalty. The "Widow's Tax" often leaves a surviving spouse facing a sudden drop in income at the same time taxes increase. We explain how this frustrating IRS rule works and outline steps you can take to protect your retirement income.

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]]> Ask the Adviser: What is the new Trump Account I keep hearing about? https://rodgers-associates.com/blog/what-is-a-trump-account-2026/ Tue, 07 Apr 2026 14:42:52 +0000 https://rodgers-associates.com/?p=21847 The Trump Account for kids 2026 introduces a new tax-advantaged way to invest in a child’s future, including a potential $1,000 government contribution. Learn eligibility rules, contribution limits, and how it compares to 529 plans.

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]]> How Financial Peace Supports Better Health in Retirement https://rodgers-associates.com/blog/financial-peace-retirement-health/ Tue, 17 Mar 2026 14:02:00 +0000 https://rodgers-associates.com/?p=21770 Financial wellness impacts more than your bank account—it affects your health, stress levels, and daily decisions. Learn how a clear financial plan can support a healthier, more confident retirement.

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]]> Ask the Adviser: How Can I Help My Children Achieve Financial Independence Without Spoiling Them? https://rodgers-associates.com/blog/kids-financial-independence-without-spoiling/ Tue, 03 Mar 2026 16:04:39 +0000 https://rodgers-associates.com/?p=21757 Many parents want to help their family achieve financial independence without "spoiling" them. Discover how gifting through Roth IRAs and HSAs can provide a lasting legacy and tax-free growth for the next generation.

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]]> Avoiding the Unpleasant Surprise of a Mutual Fund Capital Gain Distribution  https://rodgers-associates.com/blog/avoiding-the-unpleasant-surprise-of-a-mutual-fund-capital-gain-distribution/ Mon, 16 Feb 2026 18:29:38 +0000 https://rodgers-associates.com/?p=21716 Capital gain distributions from mutual funds can create unexpected tax bills—especially when investing in taxable accounts near year-end. Understanding realized gains, unrealized gains, and distribution timing can help investors avoid costly surprises.

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]]> Ask the Adviser: If I don’t have earned income can I Fund my Retirement Accounts Based on my Spouse’s Income?  https://rodgers-associates.com/blog/non-working-spouses-can-contribute-ira/ Tue, 03 Feb 2026 11:00:00 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=9400 If you don’t have earned income of your own, you might think your path to retirement savings is blocked. However, if you are married and filing a joint return, your spouse’s income can unlock the door to your own IRA. Whether you are looking to catch up on savings or protect your assets from future medical costs, the "Spousal IRA" is a powerful wealth-building tool you should be using.

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]]> New Year, New Tax Laws  https://rodgers-associates.com/blog/new-year-new-tax-laws/ Fri, 16 Jan 2026 14:40:34 +0000 https://rodgers-associates.com/?p=21689 Two major tax law changes take effect in 2026—charitable deductions for non-itemizers and mandatory Roth catch-up contributions. Here’s what they mean for your retirement plan.

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]]> Ask the Adviser: What are my Annuity Payout Options? https://rodgers-associates.com/blog/ask-the-adviser-what-are-my-annuity-payout-options/ Tue, 06 Jan 2026 14:28:56 +0000 https://rodgers-associates.com/?p=21677 Understanding how and when to take income from a non-qualified annuity
is essential—especially as contracts approach maturity. Learn the key payout
options, tax considerations, and questions to review before making a final
decision.

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]]> The Three Ghosts of Retirement (Past, Present, and Future)  https://rodgers-associates.com/blog/the-three-ghosts-of-retirement-past-present-and-future/ Fri, 12 Dec 2025 20:40:04 +0000 https://rodgers-associates.com/?p=21660 Your retirement is personal, but it’s easy to worry if it’s as secure as it could be. Inspired by *A Christmas Carol*, we explore the three “ghosts” that haunt retirees: taxes, inflation, and sequence of returns. Learn how planning can drive away these common fears.

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]]> Ask the Adviser: What are Some Common Estate Planning Mistakes? https://rodgers-associates.com/blog/ask-the-adviser-what-are-some-common-estate-planning-mistakes/ Tue, 02 Dec 2025 14:34:14 +0000 https://rodgers-associates.com/?p=21637 You've worked hard to build your nest egg. But are you sure your legacy is secure? Many people make critical errors by assuming a Will covers everything or by missing key tax-saving opportunities. Here are three common estate planning mistakes to avoid.

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]]> Securing Your Legacy: Using Trusts to Protect Wealth in Pennsylvania https://rodgers-associates.com/blog/securing-your-legacy-using-trusts-to-protect-wealth-in-pennsylvania/ Tue, 18 Nov 2025 21:22:25 +0000 https://rodgers-associates.com/?p=21625 Trusts can be an effective tool for protecting your wealth in Pennsylvania. Discover how different types of trusts can help minimize taxes and secure your legacy.

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]]> Ask the Adviser: What is the Difference Between Capital Gains and Capital Gains Distributions?  https://rodgers-associates.com/blog/ask-the-adviser-what-is-the-difference-between-capital-gains-and-capital-gains-distributions/ Tue, 04 Nov 2025 14:33:52 +0000 https://rodgers-associates.com/?p=21609 Many investors are surprised to learn that mutual funds can trigger taxable gains even when nothing is sold. This article explains the difference between capital gains and capital gains distributions—and how choosing the proper investment structure can help reduce surprise taxes.

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]]> “It Won’t Happen to Me”: Why Scam Victims Are More Common Than You Think  https://rodgers-associates.com/blog/it-wont-happen-to-me-why-scam-victims-are-more-common-than-you-think/ Tue, 21 Oct 2025 13:00:00 +0000 https://rodgers-associates.com/?p=21590 When it comes to scams, most people have the same reaction: “I’d never fall for that.” We like to think we’re too smart, too cautious, or too experienced to be tricked. Yet, year after year,...

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]]> Ask the Adviser: How Should I Title My Vehicles to Limit Liability?  https://rodgers-associates.com/blog/ask-the-adviser-how-should-i-title-my-vehicles-to-limit-liability/ Tue, 07 Oct 2025 13:04:00 +0000 https://rodgers-associates.com/?p=21560 To properly assess the risk that liability poses, it’s important to have a clear understanding of your overall net worth. Vehicle titling and insurance strategies can then work together to limit exposure and help protect your finances. 

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]]> Medicare Open Enrollment: What Every Retiree Should Know https://rodgers-associates.com/blog/medicare-open-enrollment-what-every-retiree-should-know/ Tue, 16 Sep 2025 13:00:00 +0000 https://rodgers-associates.com/?p=21547 Medicare Open Enrollment runs from Oct. 15 to Dec. 7. Learn how to review your options and avoid costly mistakes. Navigating healthcare options is an important part of your retirement planning.

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]]> Ask the Advisor: Should You Name Your Estate as Your IRA Beneficiary? https://rodgers-associates.com/blog/should-you-name-estate-ira-beneficiary/ Wed, 03 Sep 2025 01:53:11 +0000 https://rodgers-associates.com/p=6901 IRA beneficiary rules can be tricky. The wrong choice may trigger taxes, probate costs, and delays. Learn expert retirement planning advice to protect your heirs.

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]]> The Risks of Adding Your Child to Your Home’s Deed https://rodgers-associates.com/blog/risks-adding-child-homes-deed/ Mon, 18 Aug 2025 16:48:31 +0000 http://rodgerssite.wpengine.com/?p=10690 Thinking of adding your child to your home’s deed to avoid probate or taxes? It might backfire. Explore the legal, tax, and family risks—and safer alternatives.

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]]> Ask the Adviser: What’s the Difference Between Spousal and Survivor Social Security Benefits? https://rodgers-associates.com/blog/spousal-survivor-benefits/ Tue, 05 Aug 2025 11:26:18 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=10621 When it comes to financial planning for retirement, understanding the distinction between Social Security spousal benefits and survivor benefits is critical. Eligibility rules, timing, and benefit amounts vary significantly between the two, and knowing how each works can help you make the most informed decisions for your future.

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]]> 10 Exciting Hobbies to Explore in Retirement (They’re Worth the Investment!) https://rodgers-associates.com/blog/10-exciting-hobbies-to-explore-in-retirement-theyre-worth-the-investment/ Wed, 16 Jul 2025 19:15:01 +0000 https://rodgers-associates.com/?p=21363 Retirement isn’t the end of the journey — it’s the start of a new adventure. Discover 10 fulfilling hobbies that can enhance your lifestyle in retirement.

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]]> 5 Things Retirees Should Know about “the Big Beautiful Bill” https://rodgers-associates.com/blog/5-things-retirees-should-know-about-the-big-beautiful-bill/ Fri, 11 Jul 2025 17:53:44 +0000 https://rodgers-associates.com/?p=21354 The One Big Beautiful Bill Act introduces tax law changes that may reshape your retirement financial planning. From enhanced deductions to estate exemption increases, here’s what retirees need to know now.

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]]> The Enhanced Senior Deduction: A Big, Beautiful Deduction for Retirees https://rodgers-associates.com/blog/the-enhanced-senior-deduction-a-big-beautiful-deduction-for-retirees/ Wed, 09 Jul 2025 21:40:29 +0000 https://rodgers-associates.com/?p=21343 The “One Big Beautiful Bill: introduced several significant changes. Along with permanently extended current tax rates and increasing standard deduction, one key provision stands out for retirees: The Enhanced Senior...

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]]> Ask the Adviser: How can I Find Fulfillment in Retirement? https://rodgers-associates.com/blog/ask-the-adviser-how-can-i-find-fulfillment-in-retirement/ Wed, 02 Jul 2025 16:39:00 +0000 https://rodgers-associates.com/?p=21328 In 1986, David Barrett wrote the song titled “One Shining Moment”.  This song is now played to wrap up coverage of the NCAA Division I men’s basketball tournament championship game. ...

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]]> Protect Your Path to Retirement: Managing Risk with Insurance https://rodgers-associates.com/blog/protect-your-path-to-retirement-managing-risk-with-insurance/ Tue, 17 Jun 2025 14:54:48 +0000 https://rodgers-associates.com/?p=21308 A well-rounded financial plan isn’t just about growing wealth—it’s about protecting it. Life and disability insurance play a crucial role in safeguarding your financial future and ensuring that your loved ones are provided for, regardless of what life brings.

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]]> Ask the Adviser: How are Assets in My IRA Different Than Other Assets in my Estate? https://rodgers-associates.com/blog/traditional-iras-are-not-like-other-assets-in-your-estate-heres-why/ Tue, 03 Jun 2025 12:38:56 +0000 https://rodgers-associates.com/p=12661 IRAs are subject to their own set of rules, and those rules can be complex. Here’s what to know at a high level.

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]]> Five Strategies for Gifting to Adult Children https://rodgers-associates.com/blog/5-strategies-gifting-adult-children/ Tue, 20 May 2025 12:25:46 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=11175 Giving your children money during your lifetime can be helpful for them and fulfilling for you. There’s a delicate balance, though.

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]]> How do I fix a missed RMD? https://rodgers-associates.com/blog/if-you-miss-a-required-minimum-distribution/ Wed, 07 May 2025 15:33:44 +0000 https://rodgers-associates.com/?p=12309 RMD rules can be highly complex, and it’s easy to make mistakes by taking the wrong RMD amount, taking an RMD from the wrong account, or missing an RMD altogether.

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]]> Ask the Adviser: What is Form 5498, and why did I receive it so late? https://rodgers-associates.com/blog/why-you-got-form-5498/ Tue, 06 May 2025 12:43:23 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=10492 Form 5498 must be mailed to the IRS by May 31. However, because IRA contributions can be made up until April 15, you might not receive Form 5498 until after Tax Day.

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]]> How to Identify and Avoid Scams: A Guide for Older Adults https://rodgers-associates.com/blog/how-to-identify-and-avoid-scams-a-guide-for-older-adults/ Tue, 15 Apr 2025 12:49:20 +0000 https://rodgers-associates.com/?p=21225 Older adults are a targeted group for financial fraud. Here, we discuss common scam types, telltale tactics, and how to protect your wealth proactively.

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]]> Ask the Adviser: Is my CCRC entrance fee tax deductible? https://rodgers-associates.com/blog/is-your-entrance-fee-deductible/ Tue, 01 Apr 2025 14:04:44 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=9344 It depends on the type of contract you sign with your community.

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]]> Three Questions to Ask When Inheriting an IRA in 2025 https://rodgers-associates.com/blog/three-questions-to-ask-when-inheriting-an-ira-in-2025/ Tue, 18 Mar 2025 12:53:42 +0000 https://rodgers-associates.com/?p=21173 The distribution rules for inherited IRAs can be very confusing. Here, we look at three key questions to help you see through the fog and avoid unnecessary pitfalls.

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]]> I Just Inherited an IRA From My Parent. Now What? https://rodgers-associates.com/blog/i-just-inherited-an-ira-from-my-parent-now-what/ Fri, 14 Mar 2025 12:50:14 +0000 https://rodgers-associates.com/?p=17825 The new rule for adults who inherit an IRA from their parents in 2020 and beyond is that they must liquidate that account within 10 years.

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]]> Ask the Adviser: What’s the difference between premium bonds and discount bonds? https://rodgers-associates.com/blog/difference-premium-bonds-discount-bonds/ Tue, 04 Mar 2025 13:58:51 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=8229 Bonds can be sold on the secondary market for more—or less—than par value. That sale price separates a “premium” from a “discount” bond.

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]]> Which Retirement Accounts Allow Qualified Charitable Distributions? https://rodgers-associates.com/blog/qualified-charitable-distributions-from-sep-ira-simple-ira-401k-or-403b-accounts/ Tue, 18 Feb 2025 13:46:04 +0000 https://rodgers-associates.com/?p=12256 Other accounts with RMD requirements include SEP IRAs, SIMPLE IRAs, 401(k)s, and 403(b)s. So, can QCDs be made from these accounts?

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]]> Ask the Adviser: Are Gifts to Children Tax-Deductible? https://rodgers-associates.com/blog/gifts-to-children-tax-deductible-clat/ Tue, 04 Feb 2025 14:01:35 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=1868 Although gifts to individuals are not tax deductible, you can get a partial deduction for money that will eventually go to your children.

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]]> Downsizing for Retirees: A Practical Guide https://rodgers-associates.com/blog/retirees-downsizing-a-practical-guide/ Tue, 21 Jan 2025 13:28:32 +0000 https://rodgers-associates.com/?p=21062 Downsizing is an opportunity to embrace a new chapter— with less maintenance, more mobility, and the chance to explore hobbies, travel, or community living.

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]]> Ask the Adviser: How can I start planning a tax-efficient 2025? https://rodgers-associates.com/blog/ask-the-adviser-how-can-i-start-planning-a-tax-efficient-2025/ Tue, 07 Jan 2025 13:35:55 +0000 https://rodgers-associates.com/?p=21040 While we can’t be certain about all the possible changes, we do know that some legislation passed in previous years will begin to take effect in January.

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]]> Are You an Investor—or a Speculator? https://rodgers-associates.com/blog/are-you-an-investor-or-a-speculator/ Tue, 17 Dec 2024 13:51:58 +0000 https://rodgers-associates.com/?p=21024 When you purchase gold, cryptocurrencies, or art, you own an asset you hope will appreciate—without any real idea if it will.

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]]> Ask the Adviser: What financial advice would you give to a C‑suite executive? https://rodgers-associates.com/blog/ask-the-advisor-what-financial-advice-would-you-give-to-a-c-suite-executive/ Tue, 03 Dec 2024 20:41:46 +0000 https://rodgers-associates.com/?p=21013 The uncomfortable truth is that boards change, priorities change, investor sentiments change—and leadership teams often change with them.

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]]> Are You Overspending in Retirement? https://rodgers-associates.com/blog/are-you-overspending-in-retirement/ Tue, 19 Nov 2024 14:00:53 +0000 https://rodgers-associates.com/?p=20997 The 4% rule was developed taking economic downturns into account, and it has generally held up well during recent financial crises.

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]]> Ask the Adviser: What do I need to know about planning for long-term care? https://rodgers-associates.com/blog/ask-the-adviser-what-do-i-need-to-know-about-planning-for-long-term-care/ Tue, 05 Nov 2024 13:57:52 +0000 https://rodgers-associates.com/?p=20971 If needed, long-term care is one of the pricier parts of retirement. But it can be even more expensive without a proper plan in place.

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]]> Should You Do a Roth Conversion? https://rodgers-associates.com/blog/tips-determine-make-roth-conversion/ Tue, 15 Oct 2024 14:13:46 +0000 http://rodgerssite.wpengine.com/?p=10995 Deciding to convert to a Roth IRA doesn't have to be all or nothing. Let your tax bracket be your guide when determining the amount to convert.

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]]> Ask the Adviser: How Can I Guide My Grandchildren to Make Smart Money Choices? https://rodgers-associates.com/blog/ask-the-adviser-how-can-i-guide-my-grandchildren-to-make-smart-money-choices/ Tue, 01 Oct 2024 13:00:15 +0000 https://rodgers-associates.com/?p=20887 Here are three practical ways to lead those who lack some of the financial skills you’ve gained in your lifetime.

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]]> Your 2024 Guide to Year-End Tax Planning https://rodgers-associates.com/blog/your-2024-guide-to-year-end-tax-planning/ Tue, 17 Sep 2024 12:53:13 +0000 https://rodgers-associates.com/?p=20840 Reducing your tax liability means taking advantage of regulatory updates. We’ll look at some of the year’s tax law changes and opportunities.

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]]> Ask the Adviser: What tax consequences should I consider before retiring in Pennsylvania? https://rodgers-associates.com/blog/ask-the-adviser-what-tax-consequences-should-i-consider-before-retiring-in-pennsylvania/ Tue, 03 Sep 2024 16:56:06 +0000 https://rodgers-associates.com/?p=20794 While Pennsylvania has minimal taxes on retirement income, the state does levy an inheritance tax. Here’s what that means for you and your heirs.

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]]> Don’t Overlook HSAs as a Retirement Savings Vehicle https://rodgers-associates.com/blog/dont-overlook-hsas-as-a-retirement-savings-vehicle/ Tue, 20 Aug 2024 12:52:35 +0000 https://rodgers-associates.com/?p=20774 It’s a little-known fact that health savings accounts can provide an excellent way to save, invest, and take distributions—without paying taxes.

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]]> Ask the Adviser: What are the benefits of using a donor-advised fund? https://rodgers-associates.com/blog/ask-the-adviser-what-are-the-benefits-of-using-a-donor-advised-fund/ Tue, 06 Aug 2024 12:53:24 +0000 https://rodgers-associates.com/?p=20769 If charitable giving is part of your long-term financial plan, a donor-advised fund can help you tap into greater tax benefits and more easily direct your giving.

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]]> The Cost of Car Insurance Is Up, Here’s How to Bring It Back Down https://rodgers-associates.com/blog/the-cost-of-car-insurance-is-up-heres-how-to-bring-it-back-down/ Tue, 16 Jul 2024 12:55:06 +0000 https://rodgers-associates.com/?p=20728 We’ll look at why insurance rates rose 21% last year—and consider six practical ways to pay less.

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]]> Ask the Adviser: How should I use beneficiary designations in my estate plan? https://rodgers-associates.com/blog/ask-the-adviser-how-should-i-use-beneficiary-designations-in-my-estate-plan/ Tue, 02 Jul 2024 12:50:19 +0000 https://rodgers-associates.com/?p=20720 Directing some assets through beneficiaries and others through your will can reduce taxes for your heirs. Here’s what to consider.

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]]> Communication: The Key to a Successful Estate Plan https://rodgers-associates.com/blog/70-wealth-never-transfers-third-generation/ Tue, 18 Jun 2024 12:45:06 +0000 http://rodgerssite.wpengine.com/?p=8422 Want to make sure your wealth benefits future generations? Start by having the right conversations today.

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]]> Ask the Adviser: How do I figure out what I actually spend in a year? https://rodgers-associates.com/blog/ask-the-adviser-how-do-i-figure-out-what-i-actually-spend-in-a-year/ Tue, 04 Jun 2024 12:57:48 +0000 https://rodgers-associates.com/?p=20682 Calculating your annual spending isn’t quite as simple as it seems, and yet it’s key to creating an accurate financial plan. Follow this formula.

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]]> Is Your Estate Plan Ready for the Digital Age? https://rodgers-associates.com/blog/is-your-estate-plan-ready-for-the-digital-age/ Tue, 21 May 2024 13:20:15 +0000 https://rodgers-associates.com/?p=20659 Take this 10-question quiz to learn why taking charge of your digital assets is more important than ever.

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]]> Ask the Adviser: Should I add my child as joint owner of my bank account? https://rodgers-associates.com/blog/ask-the-adviser-should-i-add-my-child-as-joint-owner-of-my-bank-account/ Tue, 07 May 2024 12:30:20 +0000 https://rodgers-associates.com/?p=20655 While it seems like a simple way to get help managing your finances, it’s worth considering the risks and alternatives.

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]]> Family Meetings: Planning for Wealth Transfer and Philanthropy https://rodgers-associates.com/blog/family-meetings-planning-for-wealth-transfer-and-philanthropy/ Tue, 16 Apr 2024 13:02:12 +0000 https://rodgers-associates.com/?p=20621 It takes a lot of planning and conversation to transfer wisdom along with wealth. Here’s how the practice of family meetings can help.

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]]> Ask the Adviser: What’s predicted to happen with bonds in 2024? https://rodgers-associates.com/blog/ask-the-adviser-whats-predicted-to-happen-with-bonds-in-2024/ Tue, 02 Apr 2024 12:53:22 +0000 https://rodgers-associates.com/?p=20609 The Fed is slated to cut interest rates, which may likely raise bond prices. Here’s what to know.

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]]> How to Reduce (or Avoid!) Taxes on Social Security Benefits https://rodgers-associates.com/blog/how-to-reduce-or-avoid-taxes-on-social-security-benefits/ Tue, 19 Mar 2024 12:55:56 +0000 https://rodgers-associates.com/?p=20586 These five strategies can minimize the taxes you’ll pay on Social Security and help extend the life of your nest egg.

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]]> Ask the Adviser: Are my investment advisory fees tax deductible? https://rodgers-associates.com/blog/ask-the-adviser-are-my-investment-advisory-fees-tax-deductible/ Tue, 05 Mar 2024 13:49:40 +0000 https://rodgers-associates.com/?p=20560 While it’s no longer possible to deduct advisory fees outright, we’ll explore other tax-efficient ways to cover them.

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]]> Retirement Savings and How to Make Time Work for You https://rodgers-associates.com/blog/5-ways-to-save-for-retirement-before-its-too-late/ Tue, 20 Feb 2024 13:47:58 +0000 https://rodgers-associates.com/?p=12285 Younger generations are lagging behind on target goals for retirement savings. Here, we will look at some simple strategies for catching up.

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]]> Ask the Adviser: Should I opt for an annuity inside my 401(k) plan? https://rodgers-associates.com/blog/ask-the-adviser-should-i-opt-for-an-annuity-inside-my-401k-plan/ Tue, 06 Feb 2024 13:47:45 +0000 https://rodgers-associates.com/?p=20449 An annuity creates an income stream while also incurring costs within the plan. We’ll evaluate the pros and cons.

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]]> Recapping Market Highlights and Most-Read Articles from 2023 https://rodgers-associates.com/blog/recapping-market-highlights-and-most-read-articles-from-2023/ Tue, 16 Jan 2024 13:56:16 +0000 https://rodgers-associates.com/?p=20408 This past year, we covered topics ranging from inflation and legislative changes to RMDs and asset allocation. Here is an overview.

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]]> Ask the Adviser: How can I give to my grandkids in a way that supports my own retirement plans? https://rodgers-associates.com/blog/ask-the-adviser-how-can-i-give-to-my-grandkids-in-a-way-that-supports-my-own-retirement-plans/ Tue, 02 Jan 2024 13:43:18 +0000 https://rodgers-associates.com/?p=20392 Assuming you’ve determined that you can contribute financially without hindering your own retirement plans, you should carefully consider how you may be able to help.

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]]> How Retirement Savings are Changing in 2024 https://rodgers-associates.com/blog/retirement-contribution-limits/ Tue, 19 Dec 2023 13:55:53 +0000 https://rodgers-associates.com/?p=20386 We reviewed the tax code updates for 2024. Here’s what to know about contributing to a variety of retirement accounts.

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]]> Ask the Adviser: How do I handle the taxes on inheritance from a PA resident? https://rodgers-associates.com/blog/ask-the-adviser-how-do-i-handle-the-taxes-on-inheritance-from-a-pa-resident/ Tue, 05 Dec 2023 13:55:08 +0000 https://rodgers-associates.com/?p=20369 Whether you’ve inherited property or other assets, here’s what to know about settling the tax bill in Pennsylvania.

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]]> Nine Tips for Safer Travel https://rodgers-associates.com/blog/nine-tips-for-safer-travel/ Tue, 21 Nov 2023 13:58:18 +0000 https://rodgers-associates.com/?p=20361 Surprises on vacation can be stressful. Here’s how to plan ahead so your next trip is memorable in the right ways.

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]]> Ask the Adviser: How long should I keep my financial documents? https://rodgers-associates.com/blog/ask-the-adviser-how-long-should-i-keep-my-financial-documents/ Tue, 07 Nov 2023 13:52:56 +0000 https://rodgers-associates.com/?p=20355 The guidance varies depending on the document. We’ll look at what to consider with bank statements, tax returns, and other common file types.

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]]> A 10-Question Pop Quiz to Test Your Tax and Investment IQ https://rodgers-associates.com/blog/a-10-question-pop-quiz-to-test-your-tax-and-investment-iq/ Tue, 17 Oct 2023 12:30:55 +0000 https://rodgers-associates.com/?p=20298 How much do you know about the tax implications of investing? This quiz tests your knowledge and gives you a chance to brush up on the basics.

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]]> Ask the Adviser: Should I begin making gifts to my new grandchild? https://rodgers-associates.com/blog/ask-the-adviser-should-i-begin-making-gifts-to-my-new-grandchild/ Tue, 03 Oct 2023 15:18:15 +0000 https://rodgers-associates.com/?p=20286 "New Grandparent Syndrome”—and the doting it inspires—is real. Here’s how you can balance generosity with practicality.

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]]> Ask the Adviser: Is my portfolio well-diversified? https://rodgers-associates.com/blog/ask-the-adviser-is-my-portfolio-well-diversified/ Tue, 05 Sep 2023 20:38:30 +0000 https://rodgers-associates.com/?p=20249 While there’s no magic formula for balancing a portfolio, there are some key factors to consider—from asset allocation to sector concentration.

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]]> What to Know When Investing in REITs https://rodgers-associates.com/blog/what-to-know-when-investing-in-reits/ Tue, 15 Aug 2023 12:50:40 +0000 https://rodgers-associates.com/?p=20196 Real Estate Investment Trusts offer a way to invest in real estate without having to actually manage property. Yet it’s wise to understand the taxation first.

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]]> Ask the Adviser: What is ESG investing and why all the talk about it lately? https://rodgers-associates.com/blog/ask-the-adviser-what-is-esg-investing-and-why-all-the-talk-about-it-lately/ Tue, 01 Aug 2023 12:59:54 +0000 https://rodgers-associates.com/?p=20178 ESG ratings evaluate how socially conscious a company is, serving as guideposts for selective investors. And their impact is only growing.

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]]> The Pros and Cons of Self-Directing Your Employer-Sponsored Retirement Account https://rodgers-associates.com/blog/the-pros-and-cons-of-self-directing-your-employer-sponsored-retirement-account/ Tue, 18 Jul 2023 12:47:24 +0000 https://rodgers-associates.com/?p=20160 While more investment choices may be appealing, there are some issues to be aware of before taking this direction.

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]]> Ask the Adviser: What can I do to prepare for the estate tax exemption being reduced? https://rodgers-associates.com/blog/ask-the-adviser-what-can-i-do-to-prepare-for-the-estate-tax-exemption-being-reduced/ Wed, 05 Jul 2023 12:42:12 +0000 https://rodgers-associates.com/?p=20143 If you have a large estate, these strategies can help you avoid a high estate tax bill when the current exemption expires in a few years.

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]]> You’ve Been Given the Chance to Retire Early—Now What? https://rodgers-associates.com/blog/youve-been-given-the-chance-to-retire-early-now-what/ Tue, 20 Jun 2023 12:54:15 +0000 https://rodgers-associates.com/?p=20132 You've brought in a regular income and made wise investments throughout your life. Now you're facing the transition from generating income to drawing down your savings.

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]]> Ask the Adviser: How can I build tax diversity into my portfolio? https://rodgers-associates.com/blog/ask-the-adviser-how-can-i-build-tax-diversity-into-my-portfolio/ Tue, 06 Jun 2023 16:36:04 +0000 https://rodgers-associates.com/?p=20098 Understanding how different investment accounts are taxed—and how they balance each other—is a great place to start.

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]]> Are You Maximizing the Tax Benefit of Your Charitable Gifts? https://rodgers-associates.com/blog/charitable-contributions-know-the-rules/ Tue, 16 May 2023 12:45:52 +0000 http://rodgerssite.wpengine.com/?p=3077 The IRS is not trying to discourage charitable giving. It is tightening requirements to limit abuses.

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]]> Ask the Adviser: How do I know if my investments are insured? https://rodgers-associates.com/blog/ask-the-adviser-how-do-i-know-if-my-investments-are-insured/ Tue, 02 May 2023 13:02:09 +0000 https://rodgers-associates.com/?p=20058 As an investor, you do not need to worry if you’re covered—if you have your investments through a SIPC member brokerage firm, coverage is automatic.

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]]> Whether You Are Retiring Now or in 10 Years, the Consolidated Appropriations Act Could Help You Save https://rodgers-associates.com/blog/whether-you-are-retiring-now-or-in-10-years-the-consolidated-appropriations-act-could-help-you-save/ Tue, 18 Apr 2023 12:58:23 +0000 https://rodgers-associates.com/?p=20043 Some changes take effect this year, and others are delayed until 2024, 2025, 2026, or even 2033.

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]]> Ask the Adviser: How can I best maintain my financial plan? https://rodgers-associates.com/blog/ask-the-adviser-how-can-i-best-maintain-my-financial-plan/ Tue, 04 Apr 2023 12:59:26 +0000 https://rodgers-associates.com/?p=20029 Much like caring for a vehicle, financial planning is an ongoing process—not a once-and-done event.

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]]> Understanding RMDs Can Help You Save https://rodgers-associates.com/blog/understanding-rmds-can-help-you-save/ Tue, 21 Mar 2023 12:43:16 +0000 https://rodgers-associates.com/?p=19950 Want to design a tax-efficient retirement? Learning how and when to take required minimum distributions (or RMDs) can be a key part of your overall strategy.

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]]> Ask the Adviser: When should I change my asset allocation? https://rodgers-associates.com/blog/ask-the-adviser-when-should-i-change-my-asset-allocation/ Tue, 07 Mar 2023 13:37:28 +0000 https://rodgers-associates.com/?p=19881 The asset allocation of your portfolio is a key driver of performance and returns. Do you have the right mix of stocks and bonds in your portfolio?

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]]> Required Minimum Distributions (RMDs): Follow the Rules to Avoid Costly Penalties https://rodgers-associates.com/blog/three-common-pitfalls-when-taking-your-rmd/ Thu, 02 Mar 2023 14:00:00 +0000 http://rodgerssite.wpengine.com/?p=10257 Taxpayers reaching age 72 should be aware that a portion of the funds in their retirement accounts starts to become taxable each year—and pitfalls are common.

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]]> Learn These IRA Rules to Avoid Costly Penalties https://rodgers-associates.com/blog/about-ira-withdrawals/ Thu, 02 Mar 2023 14:00:00 +0000 http://rodgerssite.wpengine.com/?p=5094 Full of tricky timing concerns, the rules for IRA withdrawals are commonly misunderstood. Here, we explain five of them.

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]]> A Guide to Required Minimum Distribution Rules for IRAs and Employer Plans https://rodgers-associates.com/blog/required-minimum-distribution-rules/ Thu, 02 Mar 2023 14:00:00 +0000 http://rodgerssite.wpengine.com/?p=11942 RMD rules are similar for both types of accounts, but there are some differences.

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]]> 7 Steps to Take When You Inherit an IRA https://rodgers-associates.com/blog/7-steps-take-inherit-ira/ Thu, 02 Mar 2023 14:00:00 +0000 http://rodgerssite.wpengine.com/?p=11206 When Inheriting an IRA there are complex rules you will need to follow to avoid costly errors.

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]]> Are Roth Conversions Right for People Over 73? https://rodgers-associates.com/blog/are-roth-conversions-right-for-people-over/ Thu, 02 Mar 2023 14:00:00 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=2792 Roth IRAs are not subject to RMD rules.

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]]> Homeownership: The Good, the Bad, and the Expensive https://rodgers-associates.com/blog/homeownership-the-good-the-bad-and-the-expensive/ Tue, 21 Feb 2023 13:51:35 +0000 https://rodgers-associates.com/?p=19820 A home is both an asset and a liability. It can be sold like an asset at some point in the future, but there are ongoing expenses that come with homeownership.

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]]> Ask the Adviser: How do I shop for the best rates on my cash? https://rodgers-associates.com/blog/how-do-i-shop-for-the-best-rates-on-my-cash/ Tue, 07 Feb 2023 13:48:09 +0000 https://rodgers-associates.com/?p=19802 Looking for ways to make your cash work for you without committing to a long-term investment? There are plenty of options available.

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]]> Don’t Overlook These Inflation-Related Opportunities https://rodgers-associates.com/blog/dont-overlook-these-inflation-related-opportunities/ Tue, 17 Jan 2023 13:52:56 +0000 https://rodgers-associates.com/?p=19708 Discover several ways to offset inflation through tax-efficient saving in 2023.

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]]> Ask the Adviser: How do I pay taxes on retirement income? https://rodgers-associates.com/blog/ask-the-adviser-how-do-i-pay-taxes-on-retirement-income/ Tue, 03 Jan 2023 14:04:15 +0000 https://rodgers-associates.com/?p=19698 There are two ways to satisfy the year-round tax payment obligation for retirement income. Taxes can be withheld from your benefits, or you can make estimated payments to the IRS.

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]]> Avoiding a Head-on Collision Between Your HSA and Medicare https://rodgers-associates.com/blog/avoiding-head-collision-hsa-medicare/ Wed, 21 Dec 2022 13:40:22 +0000 http://rodgerssite.wpengine.com/?post_type=advisor_blog&p=11159 The last thing you want is your HSA and Medicare to clash.

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]]> Ask the Adviser: Is it ever okay to sell investments during a bear market? https://rodgers-associates.com/blog/is-it-ever-okay-to-sell-investments-during-a-bear-market/ Tue, 06 Dec 2022 13:58:53 +0000 https://rodgers-associates.com/?p=19663 However, this doesn’t mean that you should never sell during a market decline. Here are three scenarios when doing so may be a shrewd move.

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]]> The Pros and Cons of Paying off Your Mortgage Early https://rodgers-associates.com/blog/the-pros-and-cons-of-paying-off-your-mortgage-early/ Tue, 15 Nov 2022 13:10:53 +0000 https://rodgers-associates.com/?p=19620 Wondering whether to close out your home loan ahead of schedule? We’ll look at the benefits of doing this—and when it might be better to invest in bonds instead.

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]]> Ask the Adviser: Why are Medicare Part B premiums going down when inflation is up? https://rodgers-associates.com/blog/ask-the-adviser-medicare-part-b-premiums-going-down/ Tue, 01 Nov 2022 12:53:26 +0000 https://rodgers-associates.com/?p=19608 After a large increase in Medicare Part B premiums for 2022, the cost is now dropping. We’ll look at a surprising reason why.

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]]> Medicare Open Enrollment: Evaluating Your Options https://rodgers-associates.com/blog/medicare-open-enrollment-evaluating-your-options/ Tue, 18 Oct 2022 12:47:08 +0000 https://rodgers-associates.com/?p=19543 Wondering whether to make changes to your Medicare coverage? Here’s what to consider as we head into open enrollment (October 15 to December 7).

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]]> Ask the Adviser: What does the Inflation Reduction Act mean for my ACA subsidies? https://rodgers-associates.com/blog/ask-the-adviser-inflation-reduction-act-aca-subsidies/ Tue, 04 Oct 2022 12:46:31 +0000 https://rodgers-associates.com/?p=19504 The Inflation Reduction Act extends premium tax credits through 2025—and expands who’s eligible.

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]]> The Fundamentals of Inflation and How We Recover https://rodgers-associates.com/blog/the-fundamentals-of-inflation-and-how-we-recover/ Tue, 20 Sep 2022 12:48:18 +0000 https://rodgers-associates.com/?p=19460 How much do you know about inflation? Take our simple quiz to find out, and learn about the factors driving inflation today.

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]]> Ask the Adviser: What can I do to offset PA inheritance tax for my heirs? https://rodgers-associates.com/blog/ask-the-adviser-what-can-i-do-to-offset-pa-inheritance-tax-for-my-heirs/ Tue, 06 Sep 2022 13:14:55 +0000 https://rodgers-associates.com/?p=19338 Pennsylvania is one of only six states that requires inheritance tax. Here, we look at a variety of ways residents can reduce the tax on passed down assets.

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]]> 5 Ways to Take Advantage of the Market Downturn https://rodgers-associates.com/blog/5-ways-to-take-advantage-of-the-market-downturn/ Tue, 16 Aug 2022 12:47:39 +0000 https://rodgers-associates.com/?p=12554 Look for opportunities created by lower markets, which include evaluating employer stock, performing Roth conversions, and investing before the market rebounds.

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]]> Ask the Adviser: What are the pros and cons of Series I savings bonds? https://rodgers-associates.com/blog/ask-the-adviser-series-i-savings-bond/ Tue, 02 Aug 2022 12:43:55 +0000 https://rodgers-associates.com/?p=19291 Series I savings bonds combine relatively high returns with minimal risks—as long as inflation remains elevated.

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