Charitable giving not only feels good and leaves a positive impact on the world, but it can also provide financial advantages for retirees. In this episode, Jim Kruzan, CFP®, CRPC®, uncovers multiple strategies to weave charitable giving into your retirement and estate planning. Whether you want to maximize your tax benefits or leave a …
Are you passionate about making a difference? In light of Giving Tuesday and our 10th annual One Warm Coat Drive, we are taking a break from financial topics to discuss how to create a positive impact on people’s lives! In this heartwarming episode, Jim Kruzan, CFP®, CRPC®, is joined by Beth Amodio, president and CEO …
Between 50 and 72, there are significant birthdays that can impact your retirement finances. These age-based milestones can help you grow your retirement nest egg, avoid financial penalties, withdraw your retirement funds early, and more! In this episode, Jim Kruzan, CFP®, CRPC®, highlights seven legislative birthdays that every retiree or soon-to-be retiree should circle on …
Imagine a retirement where you’re free from the fear of rising, and sometimes unexpected, medical bills. In a world of ever-rising healthcare costs, a solid understanding of Medicare is a necessity! In this episode, Jim Kruzan, CFP®, CRPC®, unravels the intricacies of Medicare and paves the path for a more simplified Medicare experience. Whether you’re …
Picture this: You’ve crafted the perfect retirement plan. You’ve dreamt about it, and it’s finally here. But then, life throws you a curveball. Suddenly, your well-laid path takes an unexpected detour! Even the most carefully crafted plans must adapt to changing circumstances. In this episode, Jim Kruzan, CFP®, CRPC®, shares practical strategies to get your …
“When should I start taking Social Security?” “Can I claim spousal benefits? If yes, how much?” “How will my Social Security income be taxed?” These are some of the questions that many retirees (and soon-to-be retirees) struggle with! In this eye-opening episode, Jim Kruzan, CFP®, CRPC®, explains the top five Social Security filing mistakes to …
Do you know what makes or breaks your retirement? The assumptions and financial choices that might seem trivial at first, but have a significant impact later down the road! In this episode, Jim Kruzan, CFP®, CRPC®, highlights 7 common retirement planning mistakes, drawing on decades of experience as a financial advisor. He also shares actionable …
How can you save for retirement if you don’t know how much money you’ll need? It’s time to calculate your financial finish line so you don’t run out of money during retirement! In this episode, Jim Kruzan, CFP®, CRPC®, shares easy-to-follow methods and rules of thumb to estimate your retirement expenses and income — and …
Did you know that the average cost of college in the United States is a staggering $35,551 per student per year, including books, supplies, and daily living expenses? That’s a hefty price tag that can leave many parents and students feeling overwhelmed. In this episode, Jim Kruzan, CFP®, CRPC®, explores the world of 529 plans …
Have you ever heard about the Health Savings Account (HSA) used in retirement planning? Simply put, if a 401(k) and a Roth IRA were to produce an offspring, it would be the HSA — because of its unique tax advantages that gives you the best of both accounts! In this insightful episode, Jim Kruzan, CFP®, …