November 2024

Why Most People Get Retirement Planning Wrong

Why Most People Get Retirement Planning Wrong

If you want to have a successful retirement, understanding that it doesn’t happen by accident is key. To achieve success in retirement, you have to plan effectively in advance. In this article, we’ll cover why most people get retirement planning wrong, especially when they attempt to do it alone. Be sure to read all the way through to learn how to win in retirement!

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How to Create a Sustainable Retirement Cash Flow

How to Create a Sustainable Retirement Cash Flow

When you retire, it’s all about cash flow. In this article, we’ll go over how the most successful retirees in this country create sustainable cash flow in retirement. We’ll share some of the techniques we use to help guide our clients at REAP Financial. Be sure to read through to the end to learn all our tips to solidify your retirement cash flow.

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How to Build Wealth While Navigating Inflation

How to Build Wealth While Navigating Inflation

When it comes to building real wealth, rates of return matter. Both the amount you earn on investments and the amount you save for retirement are important. However, inflation is often overlooked. Inflation is a silent threat to any portfolio. Today, with inflation higher than we’ve seen in many years, you need to structure your portfolio in a way that keeps up with inflation and beyond. In this article, we’ll go over how the most successful retirees build wealth while navigating inflation. Be sure to read the whole article for a little-known tip on staying ahead of inflation!

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How to Prepare for 2026 Estate-Tax Changes

How to Prepare for 2026 Estate-Tax Changes

It’s hard to believe, but 2026 is just around the corner. In 2026, we’re going to see some major changes in how much you’re paying in taxes and the estate tax limit, or how much tax could be applied to the money you leave to others. In this article, we’ll talk about the key changes and some steps you may want to take to protect your wealth.

In the last few years, we’ve enjoyed some of the lowest tax brackets in U.S. history. In fact, tax rates have not been this low in 40 years. However, these tax rates, including income tax rate and estate tax limits, are set to sunset and change in 2026. First, let’s go over what estate tax limit changes could look like.

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5 Hidden Dangers of Early Retirement You Need to Know Now

5 Hidden Dangers of Early Retirement You Need to Know Now

Through the years, REAP Financial has had the privilege of helping many families retire. We always strive to prepare our clients for early retirement and the risks that come with it. Today, 7 out of 10 Americans retire sooner than they were planning. Sometimes, this isn’t because they want to retire; it may be to take care of aging parents or a spouse, due to medical issues, or a layoff. Whatever the case may be, there are some key considerations when it comes to early retirement.

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