Social Security, Pension & Savings Plans

Insights into pension plans, Social Security benefits, 401(k)s, and other savings plans. Learn about the latest updates and strategies to ensure you’re maximizing these critical resources for retirement.

5 Key Changes to Social Security in 2025

5 Key Changes to Social Security in 2025

Every year, we see changes in the Social Security system. Next year, with a new administration coming into the White House, there has been a lot of buzz around Social Security, everything from what can be done to save it to cutting taxes on Social Security entirely. Although there is a lot of suspicion, a few changes to Social Security in 2025 have already been confirmed.

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What Are Some of the Hidden Costs of Retirement

What Are Some of the Hidden Costs of Retirement?

Retirement can bring a lot of joy or stress, depending on how you prepared for it. In this article, we’ll cover some of the hidden costs of retirement that people generally don’t talk about. These costs can blindside you, so you should aim to plan ahead. Be sure to read through to the end to learn about the top hidden cost that most people overlook!

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6 Financial Resolutions To Make Before Retiring in 2025

6 Financial Resolutions To Make Before Retiring in 2025

As we approach the end of the year and the start of 2025, this is an ideal time to reflect on your financial goals and make resolutions that will position you for a successful retirement. In this article, we’ll cover  the top six essential financial resolutions worth considering and implementing in the new year.

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Smart Ways to Spend an Inheritance

Smart Ways to Spend an Inheritance

Inheriting money can become tricky quickly. When inheriting money, you may receive 401Ks, IRAs, CDs, brokerage accounts, and more. No matter what you inherit, it can have a meaningful impact on your financial planning. There are some smart ways to spend an inheritance, so in this article, we’ll take you through our top tips when it comes to inheriting wealth.

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How to Navigate Inflation - Financial Survival Tips

Financial Survival Tips: How to Navigate Inflation

Discover essential financial strategies to navigate the challenges of high inflation in retirement. Learn how to inflation-proof your portfolio, adjust your income plan, and make the most of market volatility. With decades of low inflation behind us, retirees must now adapt to a new economic reality. Explore expert tips from REAP Financial to secure your lifestyle and retire successfully, even in high-inflation environments. Plus, don’t miss our special tip on leveraging high inflation markets to your advantage!

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What is the Future of Social Security

What is the Future of Social Security?

Discover the future of Social Security and learn strategies to maximize your benefits as you approach retirement. Understand the potential changes to the system, such as means testing and FICA cap adjustments, and explore the importance of a diversified retirement income. With insights from REAP Financial, find out why a personalized claiming strategy and working with a fiduciary advisor can help you navigate the complexities of Social Security to ensure financial stability in your golden years.

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How to Transform Your Retirement with Social Security Options

How to Transform Your Retirement with Social Security Optimization

As you already know, Social Security is one of the greatest assets you’ll have in your retirement. By the time you reach your retirement age, you’ve been paying into the system for years. Your Social Security benefit is your right, and at REAP Financial, we want to make sure you get the most out of your Social Security benefits. Keep reading for the best tips on Social Security options and an overview of a little-known strategy that can be extremely lucrative.

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Retirement Planning Tips for Self-Employed Individuals

Retirement Planning Tips for Self-Employed Individuals

If you’re a self-employed individual, you have more control over your retirement planning than those with regular, W-2 employment income. However, very few business owners are set up properly and know the best ways to save for the future. In this article, we’ll share the top accounts and strategies for recommended business-owners planning for retirement. These are the real strategies we, at REAP Financial, help our clients use to get the most out of their retirement.

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How to Avoid Costly IRA Mistakes

How to Avoid Costly IRA Mistakes

If you’re saving for retirement, chances are you have an IRA, whether it’s a Roth IRA, Sep IRA, or traditional IRA. All of these accounts are powerful, but even so, it is important to make sure you know how to avoid costly mistakes and tax penalties when taking money out of these accounts. It’s easy to put money in these accounts, but it can be challenging to get your money out wisely. At REAP Financial, we specialize in showing retirees how to get the most out of their retirement savings, including IRAs.

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How to Master the Art of Social Security Timing

How to Master the Art of Social Security Timing

By the time you reach retirement, you’ve been saving for many years. Naturally, you want to get the most possible out of your retirement, including your Social Security. That is why it’s so important to optimize the timing to maximize your financial success in retirement. At REAP Financial, we want everyone to get the highest possible benefit from their social security. In this article, we’ll cover the art of Social Security timing and how to make sure you time your benefits for the maximum gain, including one of the most overlooked strategies that can cost you big.

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