Swad Wealth Management, LLC

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Determining the ideal retirement age is a pivotal decision that influences not only your financial well-being but also your overall quality of life in your later years. This decision is deeply personal and varies from individual to individual based on a variety of factors, including financial stability, health, personal goals, and external influences. Here’s a comprehensive guide to help you

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There are a number of different tax strategies individuals and couples nearing or in retirement can utilize to decrease the amount owed on their retirement savings and income. These strategies involve utilizing a number of different tax-efficient investment accounts and tactics to decrease the drag taxes could put on their investments and, of course, a sound financial plan outlining a

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A covered call is an options strategy in which an investor holds a long position in an asset (typically shares of stock) and sells (or “writes”) call options on that same asset. The goal of this strategy is to generate additional income from the options premium, while potentially allowing for capital appreciation on the underlying asset. Let’s break down how

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Why should a couple aged 50 or older consider a prenup? Are there any reasons why they shouldn’t consider this?
A prenuptial agreement can be particularly beneficial for older couples because they often have more significant assets, prior marriages, and children whose inheritance needs to be protected. Also, they may have retirement funds and pensions which could become complicated in

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When it comes to Social Security, many people often get swept up in the excitement of finally reaching the point where they can start collecting benefits. However, it’s essential to slow down and make informed decisions. Before you begin collecting social security, you should be asking some essential questions. Here are the top five questions to consider:

1. When should

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Retirement is supposed to be the stage of life where the worries of the working world are left behind and you can relax and enjoy the fruits of your labor. However, the reality is that for many retirees, the tax burden doesn’t disappear with the working world. In fact, it can often become more complex due to income coming from…

Introduction

Imagine if the United States couldn’t pay back the money it borrowed. It might seem crazy, but let’s explore what could happen if the U.S. defaulted on its debt. We’ll take a look at how it would affect regular people, the economy, and the global financial system.

  • Impact on People Who Invest in Treasury Bonds:When the U.S. borrows money,

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    Introduction

    The SECURE 2.0 Act (Setting Every Community Up for Retirement Enhancement) is a bill passed by the U.S. Congress in December 2021. It builds upon and expands the provisions of the original SECURE Act (passed in December 2019) and includes changes to retirement savings rules, including catch-up contributions, employer plan requirements, and provisions aimed at increasing access to retirement…

    Many of my clients are concerned about what health care costs might be if you retire before age 65 (Medicare Age)?
    They thought that because they had good incomes or lots of money, they wouldn’t get any financial help for health insurance.
    After they went through our Prepare For Retirement Process and learned about healthcare options, they were pleasantly surprised

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