Want to know more about how to thoroughly plan for your retirement? Watch our videos, covering a variety of important topics you need to know.

3 Retirement Risks that Could Cause You to Run out of Money

For most retirees, their biggest fear is running out of money. You want your #retirement to be a fitting reward to a lifetime of hard work. But it's hard to know exactly how much money you'll need to achieve your unique retirement goals, without sacrificing your quality of life. In this video, Shane Stevenson with Winston and Companies and Erin Kennedy break down the three biggest risks to your retirement nest egg:

  1. Longevity Risk: Today, a couple at age 65 has a 50% chance of living beyond 90!
  2. Changes to Social Security: A holistic financial plan will account for any future changes to Social Security
  3. Inflation: high #inflation means you'll have to use more of your retirement savings each year to maintain your same quality of life.

Designing a holistic and proactive retirement plan that addresses these risks is key to maintaining your quality of life, no matter what. If you'd like to talk through your plan and whether your income streams are sustainable, please feel free to reach out to Shane by calling 602-456-1928 or by scheduling an appointment at

#WealthManagement #SocialSecurity #CostofLiving

5 Reasons You Should Consider a Roth Conversion Now

There may never be a better time to open a #Roth account. Roth #IRAs offer tax-free earnings growth, and as Winston with Winston and Companies explains to Erin Kennedy, there are 5 clear-cut reasons you should consider investing in a Roth today:

  1. Today's Historically Low Tax Rate: the Tax Cuts and Jobs Act, which reduced federal income tax rates, is set to sunset in 2025
  2. Your Depreciated Portfolio: pay taxes on a smaller value now, then allow that future growth to happen tax free
  3. Possible Elimination of Backdoor Roths: the Build Back Better Act proposed ending Backdoor Roths; the loophole dodged the axe... for now.
  4. Legacy Planning: assets in Roths are not subject to probate and can be passed on to heirs tax-free
  5. No Required Minimum Distributions: which means you have more control over your income and your tax liability

If you'd like to speak with Winston about opening a Roth account, or if you'd like to learn how to convert your traditional IRA to a Roth IRA, please reach out by calling 602-456-1928 or by visiting

#TaxFree #TaxDiversification #WealthManagement #Retirement

A Smart Alternative to High Yield Bonds

2022 was a tough year for investors, and a lot of us may not realize there are strategies that a lot of the pros utilize, which are great complements to traditional #stocks and #bonds. As Winston with Winston and Companies explains to former TV News Anchor, Erin Kennedy, Structured Notes offer a unique source of risk and return.

Winston and Erin break down the three types of Structured Notes, including:

  • Principal Protected
  • #Income or Yield
  • Growth

We know the Fed will continue to raise rates in 2023, which will affect the value of bonds. Now is a great time to consider complementing your portfolio with notes that can add protection or create income.

#StructuredNotes #BondAlternatives #CreateIncome

SECURE Act 2.0: Later RMDs, 529-to-Roth Rollovers, and Other #Tax Planning Opportunities

Congress recently passed #SECURE Act 2.0, which will bring several changes to retirement account rules. Winston with Winston and Companies and Erin Kennedy break down the big takeaways, including:

  • RMD Age Increase
  • 529 Plans
  • 401(k) Changes

Keep in mind, when you delay those Required Minimum Distributions, it will lead to larger account balances at death, which could create a significant tax burden for your beneficiaries, which is why proactive tax planning is so important.

The Clock is Ticking on 2022 Conversions

If you're considering converting an #IRA to a #Roth IRA in 2022, the clock is ticking. In this video, Winston with Winston and Companies and Erin Kennedy break down everything you need to know before deciding. 

Keep in mind, we are in a historically low tax rate. Paying your taxes now will allow your money to grow tax free, and any future withdrawals will not be taxed. Also, to help manage your tax liability, you may choose to convert just a portion of your assets. There is no limit to the number of conversions you can make, so you may convert smaller amounts over several years.

New #Retirement Account Contribution Limits for 2023

The #IRS just announced that it will boost the maximum contribution limit to #401k accounts by $2,000 next year... to $22,500! This is the largest increase on record. As Winston with Winston and Companies explains to Erin Kennedy, this move will allow millions of us to contribute thousands more into tax-advantaged retirement accounts.

But keep in mind, every retirement plan must include tax planning and tax diversification. In fact, 401(k)s are known as "retirement tax bombs."

Social Security #COLA Sees HUGE Increase for 2023! So, When Should You Claim?

Social Security just announced an 8.7% cost of living adjustment for retirees! The COLA adjustment will be applied to benefits in January of 2023. That's the largest inflation adjustment since 1981, when it was 11.2%. Winston with Winston and Companies explains to Erin Kennedy why this year's Cost of Living Adjustment, or #COLA, is so high and whether this change should affect your claiming strategy.

Ready to Take The Next Step?

For more information about any of our products and services, schedule a meeting today or register to attend a seminar.

Or give us a call at 602-456-1928.