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Retirement Planning

Contemplating a Roth IRA Conversion? Here Are 3 Things to Consider First by Augusto De Luna

Posted April 29, 2025

You have many options when it comes to saving for retirement. You may contribute pre-tax dollars to a workplace 401(k) plan or traditional IRA, potentially reducing your current taxable income today and deferring taxes until you make required minimum withdrawals in retirement. Depending on your income, you may also put money into a Roth IRA, […]

Estate Tax Relief for Ultra-High-Net-Worth Families by Lee F. Hediger

Lee F. Hediger PWA Director and Miami Financial Advisor Registered Representative of PWA Securities, LLC
Posted April 13, 2025

Effective Jan. 1, 2025, the federal estate tax exemption increased to $13.99 million, or $27.98 million for married couples filing joint tax returns. This means that individual taxpayers can transfer up to $13.99 million in assets to their heirs (or up to $27.98 million for married couples filing jointly) during life or at death without […]

Special Needs Trusts Can Help Improve a Disabled Family Member’s Quality of Life by Lee F. Hediger

Lee F. Hediger PWA Director and Miami Financial Advisor Registered Representative of PWA Securities, LLC
Posted March 7, 2025

Caring for a family member with a physical, intellectual or emotional disability can be costly. Everyday expenses can include food and shelter, specialized medications, assistive devices, special education, transportation, at-home nursing care, and much more. Over time, these expenses will almost certainly increase. Families must engage in advanced planning to ensure that a loved one […]

7 Smart Money Moves to Maximize Year-End Bonuses by Kathleen Marteney, CRPC

Posted March 5, 2025

If you received a year-end bonus, congratulations! As gratifying as it may be to splurge on something you can enjoy immediately, you may want to take a few moments to consider how you can maximize those dollars for the long term. Following are seven smart money moves to help you use a windfall of money […]

What is Asset Diversification and Why is it Important? by Olga Ismail, AIF®

Posted February 4, 2025

Asset diversification is an investment strategy designed to help investors minimize exposure to market volatility while attempting to maximize opportunities for high returns over the long term. While diversifying assets does not guarantee any investment objective will be met, spreading out investable dollars over a diverse mix of stocks, bonds, cash and other assets could […]

Age is More than A Number When Planning for Retirement By Sean Deviney, CFP®*

Posted January 14, 2025

After years of diligent saving, you probably built a significant nest egg to afford a comfortable retirement, but that doesn’t mean you’re ready to put your feet up and coast through your golden years. Preparing for retirement requires having a plan in place to address your spending habits, rising healthcare costs, changing tax laws and […]

SECURE Act 2.0 Changes to Workplace Retirement Savings Plans in 2025 by Olga Ismail, AIF®

Olga Ismail, AIF® PWA Head of Retirement Plan Consulting and Financial Advisor Registered Representative of PWA Securities, LLC
Posted January 8, 2025

Effective Jan. 1, 2025, employers must ensure their workplace retirement plans comply with the latest provisions of the SECURE Act 2.0, which aims to improve taxpayers’ retirement savings and the costs and complexities businesses incur administering those plans. Since the law’s enactment, employers of all sizes have gained expanded tax credits for establishing employee retirement […]

Non-Qualified Deferred Compensation Plans Can Maximize Savings Opportunities for Highly Compensated Employees By Sean Deviney, CFP®*

Posted December 23, 2024

Employer-sponsored retirement-savings plans, including 401(k)s and 403(bs), are critical for helping businesses attract and retain skilled employees. However, due to government regulations and annual contribution limits, these qualified plans restrict highly compensated employees’ savings opportunities and their ability to build enough wealth to maintain their standard of living in retirement. To bridge this savings shortfall […]

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