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Helping Heroes Retire

Helping Heroes Retire

Latest Articles

Investments • Personal Finances • Retirement Will Social Security Be There When You Need It?

Posted on September 15, 2021 by Gregg Brant

On August 14, 2020 we wrote an article titled “Social Security: Can You Count on It?” and discussed the problems facing the Social Security system. At the time that article was written, the Social Security Trust Fund was on pace to run out of money in 2035. On August 31, 2021 Social Security’s trustees issued… READ MORE

Personal Finances Education Savings Options – Tax-Smart Ways to Help Your Children

Posted on August 4, 2021 by Gregg Brant

Finding the right education savings vehicle can be daunting. There are many choices, and it can be difficult to determine what is best given your financial situation and goals. We have outlined a few features of some of the most common education-savings vehicles, detailing the tax treatment for each, how much you can contribute, who can contribute, and the rules governing distributions. Your unique… READ MORE

Insurance Long-Term Care Insurance: What Coverage is Best?

Posted on July 30, 2021 by Gregg Brant

52% of people turning 65 will need some type of long-term care services during the remainder of their lifetimes and just 11% percent of the population has any form of Long-Term Care Coverage.  As people continue to live longer, many will likely need assistance caring for themselves. The decision of whether to buy long-term care insurance vs. self-insuring is an important one. If… READ MORE

Retirement IRA’s and Roth IRA’s – Tax Pitfalls You Need to be Aware of

Posted on July 12, 2021 by Gregg Brant

Many clients come to us not knowing that they CANNOT contribute to an Individual Retirement Account (IRA) and receive a tax deduction because they participate in an employer-sponsored retirement plan (yes, that means all of you with defined benefit pensions and FRS Investment are included). If you participate in your employer’s plan or if you are above the income threshold (presently $66,000 for single filers and $105,000 for married couples), then you are ineligible to make DEDUCTIBLE IRA contributions. You are still… READ MORE

Insurance • Investments Variable Annuities: Are They Worth It?

Posted on June 30, 2021 by Gregg Brant

As you approach retirement, a question you might be asking yourself is “Should I put my retirement assets in an annuity”. There are three main types of annuities: variable, fixed-indexed and fixed. In this article we are going to explain what makes variable annuities unique and their pros and cons. A variable annuity is typically… READ MORE