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You are here: Home / Archives for Retirement Planning

Open Enrollment: 5 Steps to Review Your Benefits

October 15, 2024 By Katie Brewer

Fall is here; have you reviewed your workplace benefits yet? For most American employees, open enrollment kicks off in October and November, and wraps up in January. This is your opportunity to assess your benefits and make any changes as you head into the new year.  Here are five steps to review your benefits in 2025: Review Your Benefits: Reflect on the Past Year Many people re-enroll Continue Reading

Filed Under: Career & Lifestyle, Retirement Planning Tagged With: open enrollment, review your benefits

Physician Retirement Planning: How to Prepare

June 14, 2024 By Katie Brewer

  On average, physicians are the highest paid professionals in the U.S. But even the best paid physicians need to plan carefully for their retirement, and make sure they’re truly putting away enough to be comfortable in their golden years. Here are some ways to assess your own savings, and retire without financial strain: How much should you save? Despite the higher earning Continue Reading

Filed Under: Physicians, Retirement, Retirement Planning Tagged With: physicians, physicians retirement, retirement

Retirement Planning: What Will Work Best for You?

April 15, 2024 By Katie Brewer

Do you have a plan in place for your retirement? For many people, the extent of their retirement planning includes signing up for the plan at work – which is often more of a starting point than a comprehensive retirement plan. Let’s demystify the lingo and break down some of the most common retirement plans, so you can determine the best retirement plan for you: Common Retirement Continue Reading

Filed Under: Retirement, Retirement Planning Tagged With: 401(k), retirement planning

You Maxed Out Your 401(k) – What Should You Do Next?

October 31, 2022 By Katie Brewer

Your 401(k) is a valuable part of your retirement plan, but it’s only one piece of the puzzle.  There are many benefits that come along with a 401(k,) including pretax or Roth 401(k) salary contributions (or both,) company matching, and tax-deferred accruals. And for many people, a 401(k) is where they focus most of their retirement savings. That being said, there are some downsides to Continue Reading

Filed Under: Retirement, Retirement Planning Tagged With: 401(k), brokerage account, IRA, max out 401(k)

Spousal IRA Contributions: Who’s Eligible?

November 18, 2021 By Katie Brewer

Spousal IRA

In certain situations, a working spouse can contribute to an individual retirement account, or IRA, in the name of a spouse with little to no income. This is called a spousal IRA contribution. But it’s actually a bit more complicated than that, and many people find that they’re ineligible for this strategy. So if you’ve considered making a spousal IRA contribution, read on first to find out if it Continue Reading

Filed Under: Retirement Planning Tagged With: household finances, IRA, marriage, spousal IRA contributions

Personal Finance Habits of a Successful Retiree

June 23, 2020 By Katie Brewer

You’ve spent your career saving and preparing for retirement, and when the time comes, it can feel like you’ve crossed a sort of finish line. While retirement might mark the end of your typical work life, it’s also the start of a brand new way of living. In retirement, you’ll have to pick up new ways of spending, saving, budgeting and investing to support your new lifestyle. Here are some of the Continue Reading

Filed Under: Retirement, Retirement Planning Tagged With: how to prepare for retirement, retire, retirement finances, successful retirement

Should You Retire Early?

August 1, 2019 By Katie Brewer

Early retirement

Many people think of retiring early as something that would be nice, but isn’t realistic. However, more and more professionals are leaving work sooner and getting a jump on retirement. A common phrase you might have heard about this is the FIRE movement - also known as “financial independence, retire early.” It packs a lot of appeal, but there are some serious considerations you should make before Continue Reading

Filed Under: Retirement Planning Tagged With: early retirement, retirement

Should You Save for Retirement or Pay Off Student Loans?

August 29, 2018 By Katie Brewer

Save for retirement or pay off student loans

If you’ve got student loans outstanding, it’s a common predicament - should you pay off those loans as quickly as possible first, or save for retirement? The short answer is this: save for retirement, usually. You can't use a loan to pay for your retirement. But I’ll break that down and explain why that’s important, and when you might want to focus on paying off debt instead: Save for Continue Reading

Filed Under: Retirement, Retirement Planning, Student loans Tagged With: pay off loans or retirement, save for retirement, save money or pay loans, student loans

Are your 401(k) Savings Enough?

February 27, 2018 By Katie Brewer

Is a 401(k) enough?

A 401(k) is a retirement savings plan offered by your employer. Employees make contributions out of their paycheck, usually automatically. Their employer may match that contribution up to a certain percentage. It’s a 40-year-old system that most people consider the foundation of their retirement plan. But too many people assume it will cover all of their expenses, and don’t look into what Continue Reading

Filed Under: Retirement, Retirement Planning Tagged With: 401(k), retirement savings, saving for retirement

6 Financial Planning Moves for your 40s

November 7, 2017 By Katie Brewer

financial planning moves for 40s

  The financial planning moves that helped you build a foundation or support your family awhile ago may not be enough now that you’re in your forties. This decade might be the first time you really feel the pressure of a looming retirement, send your kids off to college, or debate downsizing your family home. Wherever you are in your forties, there are some universal money moves Continue Reading

Filed Under: Career & Lifestyle, Financial Planning, Investing, Retirement, Retirement Planning Tagged With: 40s money tips, financial planning in your 40s, investing, investing in your 40s

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Katie Brewer, CFP® is a Dallas, Fort Worth, and online fee-only financial planner with over 15 years of experience. Her passion is helping clients get their financial lives in order to start living their richest lives.

Your Richest Life is a Fee-Only financial advisory firm providing honest and independent financial advice. Our clients, the members of Generations X and Y, have a different relationship with money than their parents did.

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