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COTO Insurance & Financial Services Blog
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Income taxes in retirement can work a bit differently from how they worked throughout your career. You might have established several streams of retirement income for yourself, and they’re not all taxed the same. For example, I recently noticed that a client was pulling money from her IRA but not…
Social Security is a common topic among those discussing, and planning for, retirement. And yet many people don’t know much about how the system actually works. Remember, this is your money! You’ve worked for decades, paying taxes into a system that is set up to help you during your…
Many people make the mistake of assuming that they don’t need life insurance, because they are young, or healthy, or don’t have outstanding debts, or don’t have any dependents, and so on. The truth is that we all need at least a basic policy to cover burial expenses, because none…
Planning for your Social Security benefits, especially when to claim them, is one of the most important aspects of retirement planning. It’s also one of the least understood, in terms of how your timing will impact your monthly benefit amount. While there is no answer that is “right” for every…