by Dave Kutcher Retirement income planning is a crucial aspect of financial planning, especially in the context of aging. Aging brings about several challenges that can impact one’s retirement income, but there are also viable […]
by Dave Kutcher Life Insurance – one of the most misunderstood financial resources. It is Life Insurance Awareness Month (LIAM) and we are here to shed some light on this topic for you. Depending upon […]
by Dave Kutcher The “sequence of returns” risk is a concern for investors, particularly if you are withdrawing from your investments, such as when you begin your retirement. It refers to the order in which […]
by Dave Kutcher We have written on this topic many, many times but the importance of proper planning to achieve the retirement you dream of is vitally important. You can’t arrive on the doorstep at […]
by Dave Kutcher While most of us think of a Health Savings Account (HSA) for what it was primarily designed to do, provide a tax-advantaged way to save money in order to pay for ongoing […]
by Dave Kutcher If you and your family have found themselves in need of a short-term health insurance solution and if that need is continuing beyond the next couple of months, you need to be […]
by Dave Kutcher I just read the top 5 articles that popped up in my business email this weekend. Every single one of them is speaking to current difficulties of folks trying to get by in […]
by Dave Kutcher On one end, older retirees trying to weather the financial impact of rising costs for life’s basic necessities as well as health care and long term custodial care costs and on the […]
by Dave Kutcher I think I’ve seen somewhere that the definition of insanity is doing the same thing over and over and expecting a different result. We bring this statement up only to spark the idea […]
by Dave Kutcher In a speech from 1953, President Eisenhower specifically referred to this expression of “Guns or Butter”… “Every gun that is made, every warship launched, every rocket fired signifies, in the final sense, […]
by Dave Kutcher What happens when the tide doesn’t change? Let’s substitute interest rates for the tide. Well, the tide rose and brought some boats with it, but staying risen creates problems one might not […]
by Dave Kutcher Those of you who have heard me speak or have met with us about your retirement plans have most likely heard me refer to IRA type accounts as “ruled based money”. Knowing […]
by Dave Kutcher Being in the retirement planning business, the question of when to retire seems an obvious topic for us to address on the regular. The answer to the question is not quite as […]
by Dave Kutcher Taxes, taxes, taxes … nobody likes paying taxes, but the methods and strategies to minimize taxes are numerous and can be confusing and to be honest, for the most part, you are […]
by Dave Kutcher Cleary one of the costliest expenditures you may face in your retirement years that you need to plan for but may never use. It is no surprise that when we saw the […]
by Dave Kutcher Home ownership has always been an important milestone for folks moving into adulthood. Similarly, moving from the “starter home” to something more substantive is also a sign of folks “moving up” in […]
by Dave Kutcher As people near their retirement age, balancing financial risk in an ever-changing environment can seem like a daunting task. Most people have been relegated to self-funding the majority of their retirement in […]
by Dave Kutcher We are aware that there is a certain euphoria stemming from the last quarter stock market returns of 2023 and even a continuation of some positive news in Q1 2024…but, just because […]
by Dave Kutcher The word on the street is that more than 60% of Americans are more afraid of running out of money during retirement than they are of their own death. There is a […]
by Dave Kutcher It is that time of year again … and the IRS warns you of a common problem during annual tax season, “Ghost Preparers” popping up to encourage taxpayers to take advantage of […]
by Dave Kutcher We get the age-old question all the time about when folks should begin their social security benefits. Do we wait until full retirement age, start as early as possible or even wait […]
by Dave Kutcher With saving for retirement becoming harder and harder for young families, particularly for those also trying to save money for their children’s higher education, there is some good news afoot that you […]
by Dave Kutcher We know last week we spent some time talking about some simple rules to govern or guide your financial plans to assure yourself that you are set up for retirement. Some things, […]
by Dave Kutcher When things are going well it is easy to forget simple financial “rules to live by” because when markets perform they help erase mistakes with little consequence. However, things aren’t always good, […]
by Dave Kutcher You’re quickly approaching your retirement date … are you ready and set to go? We overwhelmingly see folks in their years just prior to retiring. It is who we market to and […]
by Dave Kutcher In a speech from 1953, President Eisenhower specifically referred to this expression of “Guns or Butter”… “Every gun that is made, every warship launched, every rocket fired signifies, in the final sense, […]
by Dave Kutcher The question came across our desk recently as to how a home equity loan works. We will provide some guidance below and would like to add here that financing (debt) can be […]
by Dave Kutcher How many of you have heard that saying before? We say it often in our office. It is a true statement, but one heard mostly when talking about the impact of taxes. […]
by Dave Kutcher Did you know that Medicare is not designed to pay for Long Term Care expenses? Other than some minor costs during the first 100 days that you might need care, Medicare does […]
by Dave Kutcher It is that time of year again when we all take time to reflect on the past 12 months of our lives and then make grand resolutions for change in the coming […]
by Dave Kutcher Cryptocurrency; What is it, how does it work and how can you use it in your financial life. Cryptocurrency is a digital form of currency that is transferred between parties via the […]
by Dave Kutcher The Secure 2.0 Act of 2022 has caused some confusion for taxpayers in terms of their Required Minimum Distribution (RMD) rules. The new RMD age is 73. But hold on… if you […]
by Dave Kutcher We get to hear a diverse range of opinion from folks as part of our work in terms of how they feel about the economy and the impact that may have on […]
by Dave Kutcher So, you’ve decided to start saving money for your future. You’ve done your homework, and everything tells you that a well-diversified portfolio of various investments is a smart way to go about […]
by Dave Kutcher With the Thanksgiving holiday upon us and Christmas and New Year just ahead, we like to take this time of year to reflect and be thankful for all that we have been […]
by Dave Kutcher Each October the US Social Security Administration announces annual changes to the program for the upcoming year. For 2023, those changes include a significant Cost of Living Adjustment, an increase in the […]
by Dave Kutcher It seems so easy, doesn’t it? You walk into the store to buy something, step to the register and pull that credit card out without even thinking twice. While using a credit […]
by Dave Kutcher How many times has your spouse uttered those words and you cringed as to what might be coming? Sometimes, though, we do just need to talk. In preparation of retirement, married couples […]
by Dave Kutcher “Death and taxes” is a phrase commonly referencing a famous quotation written by American statesman, Benjamin Franklin, in his letter of 1789 to Jean-Baptiste Le Roy. Our new Constitution is now established […]
by Dave Kutcher Social Security will likely play a substantive role in your retirement planning. There are a lot of myths out there about social security benefits and so we wanted to clear the air […]
by Dave Kutcher Whether we are working with folks in that pre-retirement window of age 50+ who are trying to ready themselves for the retirement road ahead or folks that have already pulled the retirement […]
by Dave Kutcher Increased life expectancy seems a good thing, yes? We agree. However, with increased life expectancy come new challenges that can bring significant hardship to our loved ones. Putting aside the need to […]
by Dave Kutcher Planning for your estate can seem a bit overwhelming. One of the most basic tools used in planning for the disposition of your estate at your death is called a “Living Trust”. […]
by Dave Kutcher Last week we discussed a very specific planning tool (funeral trusts) for those who are on the cusp of qualifying for Medicaid and who are simultaneously looking for a way to be […]
by Dave Kutcher We have received a few requests for some information regarding trusts. More specifically, we have been asked about Funeral Trusts. In essence, a funeral trust is a trust that is being set […]
by Dave Kutcher It is August 2023 and after a lackluster 22’ and a first half of 2023 filled with trepidation for what was going to happen this year, many people have found themselves feeling […]
by Dave Kutcher We get questions on social security benefits all the time. The big question most often asked is whether it makes sense to delay taking benefits in order to get a higher amount […]
by Dave Kutcher While most of our articles are focused on how economic and other financial factors might impact your personal financial security, we are going to be a bit self-centered today and let you […]
by Dave Kutcher Our clients at Frontier Retirement are almost exclusively from the 55 + age demographic. That makes sense since our concentration of services is in retirement planning. Financial goals and objectives are different […]
by Dave Kutcher We see it all the time- following periods of uncertainty in the investment markets things seem to have turned favorable again and sighs of relief can be heard across the land. We […]
by Dave Kutcher Happy Father’s Day! How do you define wealth? How people define wealth for themselves as opposed to how they define it for others is not at all the same. A Charles Schwab […]
by Dave Kutcher E verywhere we look, we see evidence of an increased lack of confidence that folks have in terms of their retirement options. Overwhelmingly, when we dig in the weeds as to why […]
by Dave Kutcher We get it. The financial world around you seems to be in chaos. Inflation is still rampant, the investment markets seem as volatile as ever, news of bank failures, interest rates keep […]
by Dave Kutcher So, 50/50 chance of winning sounds like a pretty good opportunity to win a prize. Let’s face it, grabbing a few pull-tabs on your way home from work can be fun and […]
by Dave Kutcher This has been an overriding motto for me for three decades. Helping pre and post retirees keep their principal safe without giving up the opportunity for market-like returns, all while maintaining control […]
by Dave Kutcher One thing there is no shortage of in our business is client/customer surveys. Financial Services companies are always seeking to keep their thumb on the pulse of the public in terms of […]
by Dave Kutcher While many celebrated Easter 2 weekends ago, this past weekend was Easter for almost all who follow Eastern Orthodox theology, which follows the Julian calendar rather than Gregorian calendar. Easter might be […]
by Dave Kutcher Having been in the business of working with folks at or near retirement for the past 35 + years, we often find people working on their “estate” planning. In general terms, working […]
by Dave Kutcher Did you know that Medicare is not designed to pay for Long Term Care expenses? Other than some minor costs during the first 100 days that you might need care, Medicare does […]
by Dave Kutcher It is quite often that when we meet people for the first time they have already retired and are seeking alternatives for their employer sponsored retirement plan assets. Some of you reading […]
by Dave Kutcher Well, if you have been following us here each week, you’ve heard us discuss safe distribution guidelines before. For years the industry accepted rule was not to exceed 4% of your retirement […]
by Dave Kutcher We’ve all heard this statement before, haven’t we? The underlying notion is it doesn’t matter what you earn on your money, or how much money you earn … it matters how much […]
by Dave Kutcher You are driving into the darkness, no streetlights, the snow is swirling in the heavy winds and you can barely see ten feet in front of you. Your knuckles are white as […]
by Dave Kutcher You’ve heard us talk about ways to mitigate market volatility and how zero can be your hero at retirement when devising a distribution strategy that will give you the best probability of […]
by Dave Kutcher More and more folks are coming to see us with the idea of moving their money to cash because they are looking for a safe harbor. We get it. It is hard […]
by Dave Kutcher It is Super Bowl Sunday and I am sitting at my desk considering topics for this week’s article to share with you all. In the spirit of today’s game, I thought I […]
by Dave Kutcher The market was quite a ride in 2022. Even folks that manage their investments in what is a traditional mix of stocks (equity) and bonds (debt) likely found themselves with one of […]
by Dave Kutcher As we continue to meet with new people here in Eagle River and pursue conversations surrounding retirement plan goals and objectives, many folks we speak to say they may continue to work […]
by Dave Kutcher In Defined Contribution plans, the IRS sets limits on the maximum amount that can be contributed each year. In Defined Benefit plans, there are rules governing the resulting income benefits – or […]
by Dave Kutcher Trying to figure out how much money you can withdraw each year from your retirement plan investments is a difficult task. There are so many external factors that impact this decision, it […]
by Dave Kutcher As people near their retirement age, balancing financial risk in an ever-changing environment can seem like a daunting task. Most people have been relegated to self-funding the majority of their retirement in […]
by Dave Kutcher Hi, my name is Dave Kutcher. I write articles pertaining to the functional areas of Retirement Planning. Let me tell you, there’s a lot to talk about when it comes to planning […]
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