Author: Carl Fischer

Is It a Good Time to Buy a Property? by Carl Ficsher The real estate market is always evolving, and potential buyers often find themselves asking: is now a good time to buy a property? Recent trends suggest a nuanced answer to this question. Interest rates have recently seen a decrease, providing some relief for prospective buyers. However, the market dynamics are influenced by more than just interest rates. For instance, a notable number of closings fell through in July compared to 2021, largely due to interest rates not yet reaching their previous lows. This scenario has led to fewer…

Navigating the Complexities of Retirement Planning By Carl Fischer Reaching retirement is an important milestone, and part of the journey often involves managing your retirement savings. If you’ve recently changed jobs or retired, you may be faced with the decision of what to do with your old 401(k) plan. It can be daunting or exhilarating. It can be similar to the past years or an opportunity to unlock your funds, take control, and invest in a different way. This article will explore various options available to individuals with old 401(k) plans and provide insights to help you make an informed…

Why Taxes Could Be Higher in Retirement: A Comprehensive Look By Carl Fischer Retirement is often seen as a time to relax and enjoy the fruits of one’s labor. However, many retirees are surprised to discover that their tax burden doesn’t necessarily decrease in their golden years. Several factors can contribute to higher taxes in retirement, including changes in Required Minimum Distributions (RMDs), the widower tax, lump sum distributions, tax code modifications, Social Security, legacy planning considerations, and the impending tax changes set to sunset in 2026. Additionally, savvy retirement planning can harness the benefits of Roth IRAs and 401(k)s…