Retirement Planning Solutions

It May Be Time for a Financial Checkup

It’s never a bad time to speak with your financial professional about changes in your situation.

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Preparation is the Key to Retirement

The simplest ideas can sometimes make a massive difference over time. Enjoy this brief video to learn more.

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Retirement Accounts When You Change Your Job

This video discusses issues related to your retirement accounts when you move on from your job.

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Timing Your Retirement

This short video illustrates why knowing when to retire can be a crucial part of your strategy.

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We are retirement pros.

We create financial plans.

We integrate and simplify to help people build a plan that makes sense. We begin by helping you pinpoint what is truly important to you -- for today and for your future. Once we understand your goals, we help you create a step-by-step income plan to guide you from where you are now to where you want to be.

We help people.

Create a roadmap.

Transition from work to retirement.

Reach financial goals.

Protect family legacies.

Sleep at night.

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New SECURE Act makes changes to IRAs, retirement plans

Staying up-to-date with changes in our industry is part of our commitment to our clients. Late 2019 Congress signed into law the SECURE Act (Setting Every Community Up for Retirement Enhancement).This is the most comprehensive retirement savings bill since the Pension Protection Act of 2006. The act becomes effective on January 1, 2020.

It is important to know that the new act:
• Encourages more small businesses to offer retirement plans and expands availability of these plans to employees.
• Increases the beginning age for Required Minimum Distributions (RMDs) from 70½ to 72 for individuals turning 70½ in 2020 and later.
• Eliminates a maximum age for Traditional IRA contributions (previously, there was a restriction at the age of 70½).
• Significantly alters inherited (stretch) IRA distribution calculations and schedules for non-spouse beneficiaries for any new inherited situations starting in 2020.

If you're an RPS client and are affected by any of these changes, we will be reaching out to you. If your not a client but would like more information on how the SECURE Act could affect your retirement, please contact us by completing the "Let's Talk" form below.

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