Tag Archive for: Retirement Income

What You Don’t Know About Annuities

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Is Your Bank Holding Your Retirement Back? The 2026 “Fixed Rate” Opportunity

If you’ve walked into your local bank or credit union lately in Kalamazoo or Marshall, you’ve likely seen the “specials” on the marquee. They look fine at first glance—until you see what’s happening in the broader financial landscape.

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The Best Age to Claim Social Security: An Updated 2026 Guide for Max Benefits

As retirement approaches, one of the most consequential financial decisions you’ll face is when to start your Social Security benefits. While you can begin as early as age 62, this choice has a permanent impact on the amount of income you and your spouse will receive for the rest of your lives.

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The Mandatory Roth Catch-Up

For years, employees aged 50 and older have had the option to make additional “catch-up” contributions on a pre-tax basis, providing a valuable tax deduction in their peak earning years. That changes January 1, 2026.

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Minimizing Retirement Taxes: A Guide for Southwest Michigan Leaders

After a career of building success, the last thing you want is for income taxes to erode your retirement savings. For executives and business leaders in Southwest Michigan, proper tax planning isn’t just an option—it’s a crucial part of a smart retirement strategy.

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What is the best age to claim Social Security?

As retirement approaches, one of the most consequential financial decisions you’ll face is when to start your Social Security benefits. While you can begin as early as age 62, this choice has a permanent impact on the amount of income you and your spouse will receive for the rest of your lives. The key is understanding the financial trade-offs at every age, and being aware of the latest rules and projections, which we’ve updated for 2026.

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