Swad Wealth Management Blog

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By: Swad Wealth Management, LLC

Blog Authors

Zack Swad, CFP®, CWS®, RLP®, BFA™, AWMA®, AAMS®

Latest from Swad Wealth Management Blog

Retirees: Stop Relying on the 4% Rule
 
The “4% rule” is one of the most well-known retirement rules of thumb: withdraw 4% of your portfolio in the first year of retirement, adjust for inflation annually, and your money should last 30 years.
 
But following it blindly could either shortchange your lifestyle or put your retirement at risk.
 
Here’s what you

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On January 5, 2025, the Social Security Fairness Act was signed into law.
WEP and GPO: Repealed! By Elaine Floyd, CFP ®
The bill, which had strong bipartisan support in Congress, eliminates two provisions that reduced Social Security benefits for people who worked in jobs that did not pay into Social Security, including some teachers, firefighters, police officers, and other government workers.
What does this mean?
If you ever

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One of the most common challenges I see among retirees is this: spending money doesn’t come naturally—especially for many of our clients who’ve been disciplined savers for most of their lives.
They’ve often spent decades building their wealth, and the habits that got them here—saving, investing, planning—are powerful. But now they’re in a different season. The goal is no longer accumulation…

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Retirement planning doesn’t have to be overwhelming. The sooner you start, the more secure your future will be. This beginner’s guide breaks down the essential first steps, helping you avoid common pitfalls and set a solid foundation for your financial future.
You’ll learn how to assess your current finances, understand Social Security benefits, and explore investment options that align with

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High-income professionals often face challenges in maximizing their tax-advantaged retirement savings due to IRS-imposed income limits. The Mega Backdoor Roth Conversion offers a strategic method to overcome these barriers, allowing substantial contributions to Roth accounts beyond standard limits.
Why High-Income Earners Struggle to Maximize Tax-Advantaged Savings
For high-income professionals, saving for retirement in a tax-efficient way comes with unique challenges.

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As the year draws to a close, it’s time to take stock of your financial situation and prepare for the upcoming tax season. Proactive planning can help you optimize your tax liability, organize your finances, and set a solid foundation for the new year. And for someone entering or already in retirement, tax preparation is essential to making sure your

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If there’s one thing we can all agree on, it’s that the less you owe the IRS, the better. Unfortunately, taxes are one of those guarantees in life that none of us can escape. However, that doesn’t mean there’s nothing you can do to minimize what you owe, thanks to some strategic tax planning.
Charitable giving is a common option

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The season of giving is just around the corner. Before you start signing checks, it’s a good idea to make sure your giving strategy is positioned to maximize your generosity while aligning with your overall financial plan and values.
Whether you’re a business owner, retiree, or pre-retiree, year-end charitable giving provides valuable opportunities to give back while making strategic, tax-advantaged

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