Attention savers 50+! The SECURE 2.0 Act just made “catch-up contributions” even bigger—especially if you’re 60–63. But starting in 2026, some high earners will have to make these contributions on a Roth basis.
The “Henssler Money Talks” hosts tackle a listener’s big question: How do I make sure my money lasts through retirement? We explore how spending shapes your financial plan, the importance of cash flow projections, and why regularly revisiting your plan can keep you on track. Additionally, we share how we determine a client’s “maximum spending” threshold—and what it means if you’re getting too close to that line.
Stock compensation can be a powerful wealth-building tool, but it’s also packed with tricky tax questions. The “Henssler Money Talks” hosts tackle a real-world restricted stock scenario: If taxes are withheld at grant date, but you won’t receive the stock until it vests—and you know you’ll retire before some of those shares vest—should you accept them anyway? Or is it smarter to walk away from stock you’ll never see? We break down how restricted stock works, the tax implications, and strategies to consider when your career timeline clashes with your vesting schedule.
You can’t reach your retirement goals if you don’t know where you’re headed. Yet nearly half of workers haven’t estimated how much they’ll need to retire comfortably. Use our simple worksheet to start mapping out your retirement income needs—and get a clearer picture of where you stand.
Your Social Security Statement is a key tool for planning your financial future! It provides personalized estimates of your retirement, disability, and survivor benefits—helping you stay on top of your future income.
Two out of three 401(k) participants have assets in a target-date fund, but many don’t fully understand how these “all-in-one” investments work. Before you set it and forget it, make sure your target-date fund aligns with your long-term plan.
Nearly half of U.S. families are headed by two working spouses, often with separate accounts. Even with individual portfolios, couples can benefit from a joint strategy to maximize employer matches, diversify investments, and take advantage of spousal IRA contributions.
The IRS has postponed the application of proposed regulations related to RMDs under SECURE 2.0, now set to take effect in 2026, including RMD age clarification, Roth account distributions and spousal elections.
Director of Research Nick Antonucci, CVA, CEPA, is joined by Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, to talk about how they frequently find themselves stepping into the role of a mediator or “marriage counselor” when helping couples navigate emotionally charged financial topics like retirement.
New legislation is expanding options for workers to save for retirement, including larger contributions for older workers starting in 2025. Whether you’re just starting out or catching up after life’s financial hurdles, the key to a comfortable retirement is knowing your options and planning wisely.
