Dream Bigger, Sleep Better Luke Lloyd, CEO Lloyd Financial Group The Smart Location Strategy: Why Your Growth Investments Belong in the Right Accounts—Especially Later in Life When it comes to investing, most people focus on what they invest in — stocks, bonds, mutual funds, real estate, etc. But just as important is where you invest. That’s right — the type of account you hold your investments in can significantly impact how much you actually keep over time. This concept i

As you approach retirement, one of the most overlooked — yet potentially impactful — financial decisions you can make is when to take your final paycheck. It may not seem like a big deal, but the timing of your accrued vacation days, sick days, and any lump-sum payouts can have meaningful tax implications. The difference between taking that check in December versus January could mean thousands of dollars in your pocket — or in the IRS’s.

RMDs are the minimum amounts you must withdraw each year from your traditional IRA, 401(k), or other tax-deferred retirement accounts once you reach a certain age.