From a Lifetime of Saving to a Retirement of Spending
After a lifetime of saving, a financial plan can help you decide when it may be time to spend, give, and enjoy more.
New Job or Retirement? Take Control of Your 401(k)
When retiring or changing jobs, an IRA rollover is a common choice, but it’s not the only option—the decision depends on factors such as investment flexibility, fees, taxes, and your long-term financial goals.
Phased Retirement Can Help Smooth the Transition
A phased retirement can provide income, flexibility, and time to prepare financially for full retirement.
The Hidden Challenge of Retirement No One Talks About
Retirement success depends on more than finances—it requires planning for purpose, identity, and life beyond work.
Mandatory Roth Catch-Up Contributions Begin in 2026
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.
How Do I Make Sure I Don’t Run Out of Money Before I Die?
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.
Restricted Stock and Taxes: Don’t Get Caught Off Guard
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.
Have You Set a Retirement Savings Goal?
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.
Have You Checked Your Social Security Statement Lately?
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.
Are You Missing the Bull’s-Eye with a Target-Date Fund?
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.