Unlock the secrets to maximizing your retirement savings with our comprehensive guide to your 401(k)! Discover why employer-sponsored plans like the 401(k) are vital tools for securing your financial future. From the convenience of automatic contributions to the allure of employer matches, we explore every aspect of your retirement plan. Learn how to navigate tax-deferral options, seize control of your investments with in-service distributions, and avoid common pitfalls like leaving old 401(k)s behind. Plus, get expert insights on target date funds, managing risk, and understanding contribution limits and fees. Don't miss out on this opportunity to optimize your retirement strategy! Call now to get your personalized plan and take charge of your financial future in 2024 and beyond! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

Curious about the biggest costs that retirees face? In this video, we break down three major expenses that often catch people off guard in retirement. From healthcare to housing, learn how these factors can affect your budget and what to keep in mind as you plan for the years ahead. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

In this episode, we dive into 10 essential strategies for maximizing your Social Security benefits. Whether you're approaching retirement or already there, understanding the best timing for your claim, managing tax implications, and knowing how to coordinate with other income sources can make a big difference. We'll discuss when to claim, tips for increasing your monthly benefit, and ways to minimize taxes on Social Security income. Tune in for a comprehensive guide that can help you get the most out of the benefits you’ve earned over a lifetime of work! For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

This episode covers five common mistakes people make in retirement planning, from budgeting issues to tax missteps. Understanding these can help bring clarity to the retirement planning process. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Are you #readytoretire? Like, really ready? Not just tired of work and wishing to quit, but financially prepared for 20 to 30 years or more of unemployment? If you're retirement-minded and aiming for confidence when that day comes, tune in to this week's Protect and Grow as TimStearns, CFP® reviews the essential questions to answer to gauge your retirement readiness. For more information contact Tim Stearns, CFP® from TjStearns at (800) 640-2256 and visit the website https://www.tjstearns.com/.

Planning for income in your retirement is essential for financial security. In this episode, we'll discuss practical strategies for maintaining a steady income during your retirement years. Learn about budgeting, investment options, social security benefits, and ways to optimize your savings. Start planning now for a comfortable and stable retirement. Don't forget to like, share, and subscribe for more tips! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

Knowing when to move your money can be crucial for maximizing your financial potential. In this episode, we explore 8 key moments where adjusting your investments or savings strategy might be the smartest move. From major life changes to market shifts, these are the times when moving your money can make a big impact. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

In this episode, we explore the differences between brokers and advisors, offering a general overview of how each operates within the financial world. We'll touch on the distinctions in their responsibilities, how they earn money, and the services they provide. If you're curious about the roles brokers and advisors play in managing investments or helping with financial decisions, this episode offers a basic breakdown to help you understand their approaches. Don't forget to like, share, and subscribe for more tips! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com