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BFG in the News: Nick answers a reader’s question about Social Security and spousal benefits

Nicholas Scheibner, CFP®, is quoted on this topic, answering a reader’s question on NJMoneyHelp.com by Karin Price Mueller, “Should my wife apply for Social Security on my account?”, originally published on July 6, 2023. When your wife applies for Social Security, Social Security will automatically apply for both her own retirement benefits and spousal benefits. This is called “deemed filing”. If your wife never worked…

Financial Planning Retirement Planning Income Planning Social Security Baron Team Insights

BFG in the News: Victor answers a reader’s question about contributing to a Roth

Victor Cannillo, NAPFA-Registered Financial Advisor, is quoted on this topic, answering a reader’s question on NJMoneyHelp.com by Karin Price Mueller, “I’m 69. How long can I contribute to a Roth?”, originally published on June 27, 2023. For 2023, the total contribution limit is $6,500 per year; $7,500 if you’re over 50. You can contribute to your Roth IRA in perpetuity as long as you’re still…

Investing Taxes Retirement Planning Income Planning Social Security Baron Team Insights

Baron Financial Answers Video: How do I create an income stream in retirement?

Baron Financial Team Answers Questions About “Your Personal Economy”. Presented by Victor Cannillo, NAPFA-Registered Financial Advisor. Today’s video answers the question, how do I create an income stream in retirement? We are going to cover three common income resources that may be available to you in retirement. View or listen to our video to learn more.

Financial Planning Retirement Planning Income Planning Baron Team Insights Videos Baron Financial Answers

BFG in the News: Nick answers a reader’s question about when to take Social Security

Nicholas Scheibner, CFP®, is quoted on this topic, answering a reader’s question on NJMoneyHelp.com by Karin Price Mueller, “I’m almost 62. Should I take Social Security now or should I wait?”, originally published on March 20, 2023. First, you need to determine how much you are earning through work. Social Security will reduce your actual benefits received if you earn over the income limit before Full Retirement Age (FRA)…

Financial Planning Retirement Planning Income Planning Social Security Baron Team Insights

BFG in the News: James answers a reader’s question about withdrawing from retirement accounts using the 4% rule

James Suazo, ChFC®, is quoted on this topic, answering a reader’s question on NJMoneyHelp.com by Karin Price Mueller, “I want to retire. Should I use the 4% rule?”, originally published on February 22, 2023. The 4% withdrawal rate has been used over time as rule of thumb for withdrawals in retirement. However, we recommend reviewing your specific plan. What is your current ...

Investing Retirement Planning Income Planning Baron Team Insights

Women and Money: Why It’s Important to Take Control of Your Finances

In recognition of Women’s History Month in March, and International Women's Day on March 8th, we felt it was important and timely to share this article on women and money, to reinforce the importance of women taking control of their finances. “Women and Money: Why It’s Important to Take Control of Your Finances” by Carrie Schwab-Pomerantz, was originally posted on March 4, 2020 on Schwab.com.

Investing Financial Planning Retirement Planning Insights

2023 Financial Checklist

The start of a New Year is a good time to share our financial checklist again. We created our checklist in January of 2020, as we began a new decade, to help people take a fresh look at their financials.  As Financial Advisors, we are dedicated to educating our clients and our community about the importance of their financial health.  We hope you find this checklist helpful! You can download the checklist here:

Investing Financial Planning Taxes Retirement Planning Social Security Insurance