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Take the First Step
A big lump sum can be hard to ignore. But is it the right pension choice for your retirement? 🤔💰
When you`re given a choice between a pension lump sum and monthly lifetime payments, you`re deciding much more than how you receive the money.
You`re also making decisions about:
💵 Lifetime income
❤️ Your surviving spouse
📈 Investment responsibility
📊 Inflation
🧾 Taxes
👨👩👧👦 Your beneficiaries
And once a pension election is made, your ability to change it may be limited.
Don`t evaluate the pension by itself. Evaluate what it needs to do within your retirement plan.
🔗 Read our latest blog at the link in our bio.
#Pension #RetirementPlanning #RetirementIncome #LumpSum #FinancialPlanning #PreRetirement #Retirement #NovaWealthManagement #SouthwestFlorida
Sep 21
You built the business. Is the business helping build retirement, too? 🏢💰
A profit-sharing plan can give some small businesses flexibility to make employer retirement contributions while providing employees with a valuable benefit.
And unlike a required annual contribution, the business generally has discretion over whether—and how much—to contribute each year, subject to the plan`s terms and applicable rules.
That can make profit sharing worth exploring for businesses balancing:
✔️ Retirement savings
✔️ Employee retention
✔️ Cash flow
✔️ Tax considerations
✔️ Long-term business goals
There`s much more to plan design than simply deciding how much to contribute.
🔗 Read our latest blog through the link in our bio.
#SmallBusinessOwner #SmallBusiness #ProfitSharing #EmployeeBenefits #RetirementPlan #RetirementPlanning #BusinessPlanning #FinancialPlanning #Entrepreneur #NovaWealthManagement
Sep 18
📈 Interest rates are rising—but what does that actually mean for your retirement?
Higher rates can create opportunities, but they can also create tradeoffs. And if you`re already retired or planning to retire within the next five years, those tradeoffs may matter more than you think.
The bigger question isn`t simply where rates are headed.
👉 It`s whether your retirement plan still works when rates change.
We break down what today`s rate environment could mean for your cash, bonds, debt, and retirement income in our latest blog.
🔗 Read more: https://novawealthmanagement.com/rising-interest-rates-retirement/
#RetirementPlanning #InterestRates #RetirementIncome #FinancialPlanning #InvestmentPlanning #PreRetirement #Retirement #FixedIncome #WealthManagement #NovaWealthManagement #NaplesFL #BonitaSpringsFL #SouthwestFlorida
Sep 16
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