At Blue Heron Capital, financial advisors Linda Gardner, CPA, Joel Cavaliere, CFP®, and Zach Roberts, IRMAACP, FRC℠ help individuals and families make sense of the financial decisions that come with preparing for and living in retirement.
They take your planning personally, starting with what matters most to you: Your needs, goals, concerns, and hopes for the future. From there, they help you evaluate your current situation through the 5 Critical Areas of Retirement Planning: Taxes, Investments, Income, Estate Planning, and Long-Term Care. With these 5 Critical Areas in focus, they help create a financial plan designed around your unique situation, with the goal of providing greater clarity and confidence about your financial future.
Tune in as the advisors at Blue Heron Capital discuss financial and retirement topics that matter to you and your family.
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Insurance products are offered through Blue Heron Capital, LLC. Investment advisory services are offered through BHC Wealth Management, LLC dba Blue Heron Capital, LLC, an SEC Registered Investment Advisor.
The Legacy You Leave Behind
Tax-Savvy Retirement Strategies
Some people spend decades diligently saving for retirement, watching their 401(k)s and IRAs grow. But here's an important question many fail to ask: "How much of that money will I actually get to keep after taxes?" If you have a million dollars in your retirement account, Uncle Sam could be entitled to a significant amount of that, depending on your tax situation.
More Than a Number
Nearly half of Americans don't feel ready to retire, and almost half fear they'll outlive their savings. Why do so many Americans feel they won't be ready to retire?
More Than a Number
Nearly half of Americans don't feel ready to retire, and almost half fear they'll outlive their savings. Why do so many Americans feel they won't be ready to retire?
Creating Dependable Retirement Income
Remember when you were working, and you could count on a regular paycheck hitting your bank account every month? For many retirees, that predictable income is replaced by constantly checking portfolio values and worrying about market fluctuations. But retirement doesn't have to feel like a financial rollercoaster.
Average Retirement Plan Savings
As Americans navigate the path toward retirement, understanding how savings evolve across different life stages is more important than ever.
Estate and Legacy Planning
You might think estate, or legacy, planning is just for people with big mansions and even bigger bank accounts but think again. Estate planning is about preparing for life's curveballs, preserving your wishes, and having a plan for you and your loved ones, no matter your bank account size.
Four Questions About Retirement
We're faced with questions every day. What's for dinner? When's the meeting? How was your day? These are questions that are, or should be, easy to answer, but when you're starting to consider retirement, the questions can get a lot more complicated.
The Roth Conversion Window
With a lot of uncertainty about where taxes are headed, more and more people are taking a serious look at Roth conversions. The idea of moving money out of a traditional IRA into a Roth, paying taxes now so withdrawals can be tax-free later, makes sense on paper. But then they see the tax bill that comes with it, and many of them stop right there.
Planning vs Speculation
Today we are discussing the benefits of long-term planning instead of speculative trading. As we talk about planning over frequent trading, don't get us wrong, we are not anti-tech. We'll talk about how AI is something helping you with the planning process, not replacing your role.