Don’t Make These Bad Assumptions About Retirement

How Money Works

When it comes to your financial future, a few bad assumptions can lead to costly mistakes. In this episode, Craig and Jennifer break down some of the most common (and dangerous) misconceptions people have about retirement planning.

We’ll discuss why a Roth IRA is an account—not an investment, the truth about delaying Social Security benefits, and why assuming your pension lump sum is always the best option might not work for you. We’ll also talk about the implications of tax brackets and how tax laws could shift dramatically if the Tax Cuts and Jobs Act (TCJA) expires.

With more than 30 years working with clients, we can help you make more informed financial decisions and avoid bad assumptions with your retirement plan.

Here’s some of what we discuss in this episode:

🔍 Roth IRA Misunderstanding – It’s not an investment; it’s a tax wrapper

📈 Social Security Timing – Delaying isn’t always the best answer

💼 Pension Decisions – Lump sum vs. lifetime payments: What’s the right move?

📉 Bond Risks – Rising rates can hurt your portfolio more than you think

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Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin