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The Pearl Planning Blog
How the SECURE 2.0 Act May Affect Your Retirement
The SECURE 2.0 Act, signed into law at the end of 2022, introduced more than 90 changes to retirement savings plans. While some updates took effect in 2023 and 2024, […]
Demystifying the Backdoor Roth IRA: What You Need to Know
If you’ve heard of a Backdoor Roth IRA but find the details confusing, you’re not alone! At Pearl Planning, we frequently recommend this strategy to clients who earn too much […]
Navigating Inherited RMDs: What You Need to Know for 2025 and Beyond
Required Minimum Distributions (RMDs) can be complex, especially if you’ve inherited a retirement account. With recent regulatory changes, understanding when and how much you must withdraw is crucial. Old Rules […]
Know Your Health Savings Account Options
Listen up University of Michigan employees! Are you taking full advantage of the health savings account (HSA) option? HSAs can be a powerful financial tool. Not just for […]
Find Your Best U of M Retirement Strategy
Retirement planning has more nuances than most people realize. Do you know whether you’re under or over-contributing to your savings? This month we’re focusing on University of Michigan […]
Accounts to Withdraw Retirement Savings Without Penalties
When it comes to retiring early (like in your 50s!), the first question I often hear is, “Where will my monthly income come from?” I’m glad you asked! Because when […]
Health Insurance Options For Retirement
Dreaming of retiring in your 50s? Walking away from your company’s health insurance can be a major roadblock . Finding the right health insurance can be a scary proposition because […]
Unlocking the Power of Roth IRAs with Lucy Valandra, CFP®
If you’re not sure what a Roth IRA is or why it’s worth considering, read on! A Roth IRA is a special type of individual retirement account that offers unique […]
How to Plan For a Retirement That Fits Your Lifestyle
You think you have enough money to retire in your 50s? If that’s your dream, let’s talk about reality. I have this conversation all the time, and I’m not saying […]
Thinking About Retiring Comfortably In Your 50s?
When do you picture yourself retiring? Wouldn’t it be nice if it was sooner than you think? Don’t write off the idea. It could be possible! Many people […]
Why Reviewing Your Beneficiaries Matters
As you plan for your financial future, you’ve likely considered various aspects such as savings, investments, and insurance. However, one crucial yet often overlooked aspect of financial planning is reviewing […]
Are You a “Super Saver” for Retirement?
If you’ve been laser-focused on saving since your 20s, opened a Roth IRA early and you’ve stayed committed to saving every step of the way … you’re officially a […]
Are You a “Middle of the Road” Saver?
Are you feeling unsure about your retirement savings? Don’t worry; you’re not alone. There are 3 categories of savers, and if you fall into the “Middle of the Road” Saver […]
Are You a “Starting Late” Saver?
Are you feeling way, way behind when it comes to saving for retirement? Don’t worry; you’re not alone. There are 3 categories of savers, and if you fall into […]
When Should You Get Serious About Saving For Retirement?
As women, we often prioritize everyone else’s needs over our own. Get over it. When it comes to retirement savings, you have to put yourself first. Nodding your head with […]
How to Retire Comfortably In Your 50’s: Everything You Need to Know (Webinar)
Are you worn out and wondering if you could leave your full-time job ahead of schedule? Or, do you worry about needing to retire for reasons outside of your control? […]