Retirement, tax, Roth conversion, and investment guidance from the CFP® team at Stewardship Concepts. New posts most weeks, written for retirees and near-retirees in the Inland Northwest.
Retiring with $1 million in a 401(k)? Learn how Spokane retirees can plan income, taxes, Roth conversions, Social Security, and more.
Understanding QCDs: A Spokane Advisor's Guide for Retirees Meta description: How qualified charitable distributions work, who qualifies, and the timing mistake that costs retirees the entire benefit. Written for retirees taking RMDs.
Financial advisors charge four main ways: AUM fees, flat planning fees, hourly rates, or commissions. A common fee is 1% a year, but that's only part of it.
Choosing a Spokane financial advisor matters most as retirement gets close. Here is a plain-English guide for Spokane retirees on the seven questions that separate a real retirement planner from a salesperson, plus the red flags to watch for.
How Much Can You Safely Withdraw From $1M?If you have $1 million saved for retirement, a reasonable starting withdrawal range is often around 3% to 5% per…
The Most Tax-Efficient Withdrawal Strategy in RetirementWhen people retire, they often ask a simple question that turns out to have a very personal answer:What…
Spokane Financial Advisor: Inherited IRA Rules After the SECURE ActIf you have already inherited an IRA, there is a good chance you are dealing with two things…
Medicare Explained for New Retirees in SpokaneIf you are getting close to 65, Medicare is probably starting to feel more real.For many people in Spokane, it…
What To Do With a $1 Million 401(k) When You Retire: A Practical Guide for Tax-Smart Retirement PlanningIf you’re getting close to retirement and you’ve built…
How a Washington “Millionaire Tax” Could Affect YouIf you’re retired or getting close to retirement in Washington, this is one of those tax stories worth…
The Retirement Tax Surprise Many Spokane Retirees ExperienceLet’s start with a situation I see fairly often.
Spokane Financial Advisor: The Definitive Guide to Capital Gains Tax With Retirement Planning in Washington StateIf you are within five years of retirement in…
Mistakes Spokane Retirees Make When Rolling Over a 401(k) | Spokane Financial Advisor GuideBy Noah Schwab, CFP®, a Spokane Financial AdvisorRollover of a…