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November Market Update: What’s Noise — and What Actually Matters
As we head into the final months of the year, there’s a lot happening — from new tax deductions under the “Big Beautiful Bill Act,” to market swings driven by…
Read MoreWhat It Really Means to Be a Power of Attorney
🎥 Watch: What It Really Means to Be a Power of Attorney(6-minute Richmond Refreshers video below — full article follows) If you’ve been named as someone’s Power of Attorney (POA)…
Read MoreIncome Protection Meets Care Planning: How to Preserve Your Retirement Freedom if Health Changes
Most retirees and pre-retirees plan carefully for income, investments, and taxes — but few stop to ask what would happen if a health event disrupted it all. A sudden need…
Read MoreAre Your Roth IRA Distributions Really Tax-Free?
When you opened your Roth IRA, you likely assumed that every dollar coming out would always be tax-free. It’s a common belief — but unfortunately, not always true. While Roth…
Read MoreMatt’s Minutes: Fall Market Shifts, AI Trends & What Lower Rates Could Mean for Your Retirement Plan
As we move into fall, there’s plenty happening in the financial world — from the Federal Reserve’s first interest-rate cut in quite some time to ongoing economic debates and new…
Read MorePreparing for Tomorrow’s Care Today: What Retirees and Pre-Retirees Should Know About Long-Term Care Costs
At Richmond Brothers, our mission is simple: to empower our family of clients to live fearlessly into and beyond retirement through personalized planning, education, and top-tier service. As part of…
Read MoreFed Rate Cut: What Pre- and Post-Retirees Should Know
The Fed Tapped the Brakes Last week, for the first time this year, the Federal Reserve cut interest rates by a modest quarter point. On paper, that may not look…
Read MoreLeaving a Legacy: Life Insurance vs. Roth IRAs: Which Legacy Tool Fits You Best?
One of the most common questions we hear from retirees and pre-retirees is: “What’s the best way to leave money to my loved ones — life insurance, a Roth IRA,…
Read MoreGovernment Shutdowns & Retirement: What You Really Need to Know
Headlines about inflation, interest rates, and jobs are already noisy enough. Now, with Congress just days away from a funding deadline, many people are asking: what happens to Social Security,…
Read MoreRoth IRA Conversions Before Age 73: 5 Key Factors to Consider
As you near age 73, one of the biggest milestones in retirement planning comes into play: required minimum distributions (RMDs). Once RMDs begin, your flexibility narrows — and that’s often…
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