Top Retirement Strategies for July 2025

The earlier you begin saving, the more beneficial it will be. Fortunately, regardless of whether you are employed by a large company, your retirement plan consultant in Fresno CA, knows a small enterprise, or are self-employed, there is a retirement plan available that can accommodate your unique circumstances.

Here are the top selections from Business Insider’s editors for the most effective retirement plans to help you build your savings in 2025.

Establish a New Retirement Account

Types of Accounts

Individual Retirement Accounts (IRAs)

Individual Retirement Accounts (IRAs) serve as retirement savings options available to anyone who has earned income. They are ideal for those who are unemployed, do not have a workplace retirement plan, or wish to complement their 401(k) contributions with an additional retirement savings account. IRAs provide significant investment potential for long-term growth.

Regardless of whether you possess a 401(k) or another type of employer-sponsored retirement plan, you typically have the option to establish a Roth IRA or a traditional IRA to maximize your tax advantages. While you are allowed to open multiple IRAs, the combined contributions across all your IRAs must not surpass the yearly limit.

Here are a few types of specialty IRAs worth considering:

Self-directed IRAs: Self-directed IRAs (SDIRAs) empower investors by providing access to a broader spectrum of investment choices, such as precious metals, commodities, and cryptocurrencies. For instance, the top bitcoin IRAs and the top gold IRAs fall under this category of SDIRAs.

A 457(b) plan is a retirement savings account provided by state and local governments, as well as tax-exempt organizations. To fund your 457(b) plan, you can request that your employer deduct a specific amount from your paycheck and place it into your retirement account. Certain employers also permit you to make Roth contributions.

As 457(b) plans serve as additional savings options, it is possible to make early withdrawals before reaching the age of 59 ½ without incurring a 10% penalty.

Advantages of 457(b) Plans:

Savings options for older employees to catch up

Income that is tax-deferred or growth that is tax-free

Drawbacks of 457(b)s:

Should be an employee of either state or local government entities or a tax-exempt organization

Generally does not provide an employer matching contribution

403(b) Plans

A 403(b), also known as a tax-sheltered annuity, is a retirement savings option provided by public educational institutions, religious organizations, and other nonprofit entities. This plan functions in a manner akin to a 401(k) retirement plan, enabling workers to invest either pre-tax or post-tax funds.

Your employer might offer a matching contribution benefit. Nevertheless, your investment choices are restricted to those selected by your employer for your plan.

Advantages of 403(b)s:

Payroll deductions for your retirement plan are automated

Growth that is tax-deferred or withdrawals that are tax-free

Benefits from employer matching

Drawbacks of 403(b) Plans:

The retirement plan provided by the employer restricts the available investment choices.

Individual 401(k)

For individuals who are self-employed and do not have any employees, a solo 401(k) plan offers a stronger retirement savings option compared to a regular traditional or Roth IRA. The contribution limits for solo 401(k)s significantly exceed those of a typical IRA.

The total contributions from both you and your employer must not surpass $70,000 or 25% of your compensation after taxes, depending on which amount is lower.

Advantages of a solo 401(k):

Both employees and employers can make contributions to your retirement plan

Increased catch-up contribution limits for individuals aged 60-63

Income that is tax-deferred or withdrawals that are tax-free

A solo 401(k) retirement plan allows for the inclusion of spouses

Drawbacks of a solo 401(k):

To be eligible for this retirement plan, you must either be a business owner or the spouse of one.

For an account to stay active, consistent contributions are required.

You must not have any employees, apart from a spouse.

SEP IRA

A SEP IRA is a type of retirement plan designed for self-employed individuals and small business owners, allowing them to make significant tax-deductible contributions. This plan offers flexibility in contribution amounts, making it a popular choice for those looking to save for retirement while managing their business finances effectively.

Vesting serves as a safeguard for employees from financial setbacks. For example, the IRS states that if an employee has not worked over 500 hours in each year for five consecutive years, an employer may retain portions of the employee’s account balance that are not completely vested.

Advantages of SEP IRA:

Equal contributions to retirement plans are required from employers for all eligible employees.

Employer contributions that are vested immediately.

Income that is tax-deferred or withdrawals that are tax-free.

Disadvantages of SEP IRA:

Contributions can solely be made by the employer

Employers are required to provide equal contributions for every eligible employee

Selecting the Ideal Retirement Plan for You

Choosing the most suitable retirement plan for your financial circumstances relies on factors such as your job, relationship status, earnings, and investment choices.

Business owners who employ fewer than one hundred staff members have the option to establish either a SEP IRA or a SIMPLE IRA. SEP IRAs are ideal for those who prefer to make contributions exclusively to their employees’ retirement savings, since employees are not permitted to contribute.

Conclusion

We have a strong team of professionals helping ensure you receive all the assistance you need not only in developing your retirement income strategy, but in maintaining it throughout your retirement. Contact us today at 559-230-1648 or visit us today at Soutas Financial to see how we can help you Retire ”Your Way!”

Other Related Articles on retirement planning

Investment advisory services offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser. The commentary on this website reflects the personal opinions, viewpoints, and analyses of the author, Soutas Financial, and should not be regarded as a description of advisory services provided by Foundations Investment Advisors, LLC (“Foundations”), or performance returns of any Foundations client. The views reflected in the commentary are subject to change at any time without notice. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security, or any security. Foundations manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Foundations deems reliable any statistical data or information obtained from or prepared by third party sources that is included in any commentary, but in no way guarantees its accuracy or completeness.

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4 Actions for Retirement You Should Consider This Year

It’s still somewhat premature to determine what 2025 will be like. Will it improve, decline, or simply continue as is? According to a January 2025 Gallup survey, 41% of participants believe conditions will improve, while 24% think they will worsen.

If you are among the numerous individuals who feel anxious (or are constantly preoccupied) about your financial circumstances, your financial planner in Fresno CA understands that there are steps you can take to regain control starting now — by implementing these 4 retirement strategies to adopt this year.

Claim Your Social Security

By the year 2025, nearly 69 million Americans are expected to receive a monthly Social Security payment. (You can find the 2025 Social Security payment schedule here along with the March Social Security payment schedule).

To receive the complete benefits you have earned from your work history, it is necessary to wait until you reach your full retirement age (FRA). Your FRA is determined by the year you were born. For individuals born in 1958, the full retirement age is 66 years and 8 months. For those born after 1960, the FRA is set at 67.

Increase your savings

The earnings you receive from your savings deposits might see a slight reduction if the Federal Reserve decides to lower interest rates once more. While they have decreased from their peak in the past two decades, the top high-yield savings accounts and CDs still offer an interest rate of 4% to 5% on your deposited funds. In fact, numerous high-yield savings accounts are maintaining rates of approximately 4.25% annual percentage yields (APYs).

Similar to high-yield savings accounts, certain MMAs are providing rates exceeding 4%, with some even reaching APYs of up to 4.5%. This translates to extra funds for you to enjoy during your retirement years.

401(k)s

The standard IRA contribution limit will remain at $7,000 in 2025, while the catch-up contribution limit for individuals aged 50 and above will also remain at $1,000 for the same year. Nevertheless, the income thresholds for assessing eligibility have been raised as detailed below:

For individual taxpayers who are enrolled in a workplace retirement program, the income range for IRA deduction eligibility will be between $79,000 and $89,000.

The cap for SIMPLE retirement accounts has been raised from $16,000 to $16,500.

Understand Your Taxes

In 2025, the IRS implemented several modifications and updates to the standard deductions, tax brackets, and earned income tax credits, among other things. While not all of these adjustments will affect your personal circumstances, it’s beneficial to be aware that if you’re considering a change, such as marriage or divorce, these updates could have an effect on your financial situation.

Federal estate tax rate: Due to the elevated exemption for the year 2025, a minimal fraction of estates will incur federal estate tax. Nonetheless, those estates with a value exceeding $1 million (or $14,990,000 for individuals and $28,980,000 for married couples combined) will face a tax rate of 40%.

Conclusion

We have a strong team of professionals helping ensure you receive all the assistance you need not only in developing your retirement income strategy, but in maintaining it throughout your retirement. Contact us today at 559-230-1648 or visit us today at Soutas Financial to see how we can help you Retire ”Your Way!”

Other Related Articles on retirement consultant

Investment advisory services offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser. The commentary on this website reflects the personal opinions, viewpoints, and analyses of the author, Soutas Financial, and should not be regarded as a description of advisory services provided by Foundations Investment Advisors, LLC (“Foundations”), or performance returns of any Foundations client. The views reflected in the commentary are subject to change at any time without notice. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security, or any security. Foundations manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Foundations deems reliable any statistical data or information obtained from or prepared by third party sources that is included in any commentary, but in no way guarantees its accuracy or completeness.

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4 Actions for Retirement You Should Consider This Year

The post 4 Actions for Retirement You Should Consider This Year appeared first on Soutas Financial.

source https://soutas.com/4-actions-for-retirement-you-should-consider-this-year/

Hidden Retirement Tax Breaks You Must Claim This Summer

The federal government will invest $416 billion in retirement tax breaks for 2024. Yet most Americans don’t claim what they deserve. The highest-earning 20% of workers get 58% of these benefits, while all but one of these lowest-earning groups receive nothing from these incentives.

These numbers might look discouraging, but tax advantages for retirement planning should be available to everyone. Your retirement plan consultant in Fresno CA, knows that tax-free retirement income opportunities exist across all income levels. The Saver’s Credit remains largely untapped with only 5.7% of taxpayers claiming it. HSA contributions can reach up to $4,300 for 2025.

5 Hidden Retirement Tax Breaks to Use Before Summer Ends

Summer is the perfect time to boost your retirement savings with tax breaks that many people miss. Let’s look at seven hidden retirement tax advantages you should grab before fall:

1. Roth IRA Tax-Free WithdrawalsYour Roth IRA contributions grow tax-free and you can take them out tax-free in retirement if you meet certain conditions. You can also take out what you’ve put in (not the earnings) anytime without paying taxes or penalties.
2. The Saver’s CreditThis valuable but often overlooked credit lets you claim up to $1,000 ($2,000 for married couples filing jointly). You can qualify in 2025 if your adjusted gross income stays under $38,250 for single filers, $57,375 for head of household, or $76,500 for joint filers.
3. HSA Catch-Up ContributionsYou can put up to $4,300 for individual coverage or $8,550 for family coverage in a Health Savings Account in 2025. People 55 and older can add an extra $1,000 yearly as a catch-up contribution.
4. Retirement Account Catch-Up ProvisionsAnyone 50 or older can make extra “catch-up” contributions up to $7,500 yearly to their 401(k) or similar plans, on top of regular contribution limits.
5. Home Sale Tax ExclusionYou can exclude up to $250,000 ($500,000 for married couples filing jointly) of capital gains from selling your main home if you’ve lived there for at least two of the past five years.

Why These Tax Breaks Are Often Overlooked

Knowledge gaps stop millions of Americans from getting valuable retirement tax breaks every year. Only about half of U.S. workers know about significant benefits like the Saver’s Credit. This number drops to 44% in households making under $50,000 per year – the very people who need it most.

Good planning and awareness can help you increase your tax-free retirement income. Learning which benefits apply to your situation is a vital first step to make the most of these opportunities.

How to Maximize These Breaks for Tax-Free Retirement Income

Smart retirement planning needs a good strategy to get the most from your tax breaks. You’ll get better results when you time your contributions right and know the qualification rules.

Self-employed people need to do some extra math. Your calculations should go beyond just taking a percentage of your Schedule C net profit. You’ll need to subtract:

The deductible portion of your self-employment tax

Your own retirement plan contribution

Life insurance policies that follow IRS code 7702 offer a smart way to manage taxes. These policies let you take zero-net loans each year, which could put you in a lower tax bracket.

New retirement planners should talk to their tax advisors about Roth conversions. This strategy works best when your current tax bracket is lower than what you expect in retirement.

Your state’s tax rules matter too. Each state has different rules about taxing Social Security, pensions, and retirement funds.

Conclusion

We have a strong team of professionals helping ensure you receive all the assistance you need not only in developing your retirement income strategy, but in maintaining it throughout your retirement. Contact us today at 559-230-1648 or visit us today at Soutas Financial to see how we can help you Retire ”Your Way!”

Other Related Articles on retirement planning

Investment advisory services offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser. The commentary on this website reflects the personal opinions, viewpoints, and analyses of the author, Soutas Financial, and should not be regarded as a description of advisory services provided by Foundations Investment Advisors, LLC (“Foundations”), or performance returns of any Foundations client. The views reflected in the commentary are subject to change at any time without notice. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security, or any security. Foundations manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Foundations deems reliable any statistical data or information obtained from or prepared by third party sources that is included in any commentary, but in no way guarantees its accuracy or completeness.

 

The post Hidden Retirement Tax Breaks You Must Claim This Summer appeared first on Soutas Financial.

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How to Plan Your Vacation Forever: The 2025 Summer Guide to Smart Retirement

That dream of a permanent vacation isn’t just wishful thinking—it’s a smart way to plan your retirement that can boost your success chances by a lot. The numbers back this up: 76% of people who write down their retirement goals achieve them. Only 43% of those who skip this step reach their targets.

You’ve probably seen retirees wearing those “vacation forever” t-shirts. This idea runs deeper than just a funny message. Your financial planner in Fresno CA understands that your retirement plan needs more than just a 401(k). You should think over Social Security benefits, permanent life insurance policies, and create a clear picture of your ideal retirement lifestyle.

Define Your Ideal Retirement Lifestyle

A successful retirement plan starts with a clear picture of your ideal future. Many people wear those “vacation forever” shirts as a joke, but creating a meaningful vision needs deep reflection about what truly matters to you. You should ask yourself some basic questions: When do you want to retire? What lifestyle do you foresee?

Your mind’s eye can be a powerful planning tool. Picture an ordinary day in your future retirement—from morning until bedtime. Think about where you’ll live, what activities will fill your schedule, and who will be around you. These mental pictures will help guide your financial decisions toward supporting the lifestyle you want.

Build a Financial Plan That Supports Your Vision

Your “vacation forever” dream needs solid financial backing now that you can foresee your ideal retirement lifestyle. That catchy phrase on your vacation forever shirt won’t pay the bills—a well-structured financial plan will.

Financial experts suggest you’ll need about 70-80% of your pre-retirement income to sustain your lifestyle. A detailed budget should account for all potential expenses. Healthcare deserves extra focus beyond basic costs like housing, food, and transportation.

Here are some options to protect your retirement savings:

Insurance solutions: Traditional long-term care insurance, hybrid policies, or life insurance with long-term care riders can help minimize catastrophic healthcare costs.

Health Savings Accounts (HSAs): These accounts offer tax-free savings specifically for healthcare expenses, though you must fund them before Medicare enrollment.

Diversified income streams: Multiple retirement income sources through Social Security, pensions, retirement accounts, annuities, and income-producing investments can provide security.

Test and Adjust Your Retirement Plan

Making a budget looks simple on paper, but sticking to it is a different story. The “vacation forever” lifestyle you see on retirement shirts needs full testing before you jump in. You’ll likely spend 70-80% of your pre-retirement budget after you stop working. That’s why it’s important to check if your plan works in ground conditions.

Several apps and software programs can help track and sort your spending during this testing phase. These tools show where you might need to make changes. You’ll quickly spot lifestyle adjustments needed before your permanent “vacation forever” starts.

Here are some strategies to add flexibility to your retirement plan:

Set discretionary spending as a range instead of fixed amounts

Keep a financial cushion for unexpected costs

Set up alternative income through part-time work if needed

Successful retirement planning needs constant fine-tuning. Your “vacation forever” depends on your steadfast dedication to watching, testing, and improving your approach as life changes.

Conclusion

We have a strong team of professionals helping ensure you receive all the assistance you need not only in developing your retirement income strategy, but in maintaining it throughout your retirement. Contact us today at 559-230-1648 or visit us today at Soutas Financial to see how we can help you Retire ”Your Way!”

Other Related Articles on retirement consultant

Investment advisory services offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser. The commentary on this website reflects the personal opinions, viewpoints, and analyses of the author, Soutas Financial, and should not be regarded as a description of advisory services provided by Foundations Investment Advisors, LLC (“Foundations”), or performance returns of any Foundations client. The views reflected in the commentary are subject to change at any time without notice. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security, or any security. Foundations manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Foundations deems reliable any statistical data or information obtained from or prepared by third party sources that is included in any commentary, but in no way guarantees its accuracy or completeness.

The post How to Plan Your Vacation Forever: The 2025 Summer Guide to Smart Retirement appeared first on Soutas Financial.

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Pre-Retirement Burnout: Warning Signs You Can’t Ignore in 2025

Recent studies show that 82% of workers think achieving a comfortable retirement is harder than their parents faced, and 69% worry about their ability to stop working completely. Our generation stands at a unique position regarding retirement planning in Fresno CA available with wealth building. These growing pressures cause many professionals to experience pre-retirement burnout. This situation becomes more challenging especially when you have high-stress roles like CPA firm owners.

The burnout demonstrates itself through chronic physical and emotional exhaustion that affects productivity and personal relationships. Though 44% of workers remain optimistic about meeting their retirement goals, several factors complicate the situation.

Physical Warning Signs of Pre-Retirement Burnout

Your body sends warning signs well before your mind realizes you’re burning out. Research shows that workplaces don’t deal very well with burnout, yet it demonstrates clear physical symptoms you shouldn’t ignore as you approach retirement.

Complete exhaustion stands out as the first red flag. Mental and physical drain despite getting enough rest might point to pre-retirement burnout rather than regular tiredness. Studies show that exhaustion is the most important concern for 55% of older adults.

Sleep problems are another key warning sign. Research in the journal SLEEP found that sleep issues jump to 24.2% in the year before people retire. People struggle to fall asleep, wake up often at night, or don’t feel refreshed in the morning. The good news is these problems drop sharply to 17.8% in the first year after retirement.

Emotional Red Flags That Signal Retirement Ahead

Physical symptoms aren’t the only signs that tell you’re ready for retirement or experiencing pre-retirement burnout.

The clearest sign is emotional detachment from work. People start to feel more cynical and critical about their jobs as retirement gets closer. They mentally pull back from their work duties as their minds prepare for life after their career.

Your attitude toward learning takes a new direction. Workers in their later years care less about professional growth – just 3% of those over 55 see learning as their main driver. The numbers tell an interesting story – 29% of workers between 55-64 feel they don’t need to learn anything new. This shows a natural mental move toward retirement.

Anxiety about retirement finances becomes a big worry. About 43% of adults in the U.S. worry about their retirement outlook. Generation X seems especially concerned – 48% have serious worries about their financial future.

Financial Indicators You’re Ready for Change

Financial stress rings the final alarm bell in the pre-retirement burnout symphony. Baby boomers worry about outliving their savings and investments, with 45% ranking it among their greatest retirement fears. This financial anxiety speeds up burnout significantly.

Poor financial planning signals your readiness for change. Baby boomers show concerning behavior – 44% simply “guessed” their retirement savings needs instead of calculating them properly. This uncertainty creates workplace stress that builds up until it reaches a breaking point.

Professionals who experience pre-retirement burnout often show unchecked spending habits as they unconsciously rebel against work pressures. The 2023 Retirement Confidence Survey reveals that 49% of retirees spent more than they initially expected after retirement.

Conclusion

We have a strong team of professionals helping ensure you receive all the assistance you need not only in developing your retirement income strategy, but in maintaining it throughout your retirement. Contact us today at 559-230-1648 or visit us today at Soutas Financial to see how we can help you Retire ”Your Way!”

Other Related Articles on retirement planning

Investment advisory services offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser. The commentary on this website reflects the personal opinions, viewpoints, and analyses of the author, Soutas Financial, and should not be regarded as a description of advisory services provided by Foundations Investment Advisors, LLC (“Foundations”), or performance returns of any Foundations client. The views reflected in the commentary are subject to change at any time without notice. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security, or any security. Foundations manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Foundations deems reliable any statistical data or information obtained from or prepared by third party sources that is included in any commentary, but in no way guarantees its accuracy or completeness.

The post Pre-Retirement Burnout: Warning Signs You Can’t Ignore in 2025 appeared first on Soutas Financial.

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Why Delayed Retirement Could Be Your Smartest Money Move in 2025

Here’s a surprising fact: your Social Security benefits can grow by 8% each year when you delay retirement until age 70. Your retirement consultant in Fresno CA will explore how most American men retire around 65 and women at 63, but this choice might cost them valuable benefits.

Taking early retirement could slash your benefits by up to 30% if you claim them before 67. This becomes crucial since women at 65 can now expect to live until 87, while men typically reach 85. Our longer lifespans mean retirement savings must last much longer than before.

The Financial Impact of Working Just 2-3 Years Longer

The power of delaying retirement by a few years can surprise you with its financial rewards. Your retirement security gets a massive boost when you work longer, thanks to three major financial benefits that create a “snowball effect.”

Your peak earning years give you more time to add money to your retirement accounts. Most people can contribute more since their expenses drop after their children move out. You also get an extra year of employer matches if your company provides them.

Your existing investments get extra time to grow, which can lead to amazing results. A $3 million portfolio earning 10% returns adds $300,000 to your nest egg in just one year. These three benefits combined mean waiting an extra year could add $500,000 or more to your retirement savings.

Tax Advantages of Delaying Retirement in 2025

Delaying retirement until 2025 not only helps your finances grow but also provides tax benefits that can boost your long-term wealth. The SECURE Act has given seniors who plan to work into their seventies new chances to grow their retirement funds and reduce their tax burden.

Here are more tax opportunities for 2025:

Self-employed individuals can contribute up to $58,000 to a solo 401(k), or $64,500 if you’re 50 or older

Strategic Roth conversions during lower-income years can lock in lower tax rates on future withdrawals

Part-time workers (500+ hours annually for three years) can now contribute to employer 401(k) plans

The year 2025 gives older workers a special chance to maximize retirement contributions while keeping taxes low. This makes delayed retirement a smart tax move.

Investment Strategies That Work Better With Delayed Retirement

Career extensions create investment opportunities that early retirees simply can’t access. Your portfolio gains strategic advantages that can substantially boost your financial security if you push back retirement.

Catch-up contributions stand out as one of the most valuable opportunities. People aged 50 and above can add $7,500 extra to their 401(k) beyond the standard $23,500 limit, reaching $31,000 total in 2025. This extra contribution allowance rises to $11,250 for individuals aged 60-63.

Delayed retirement makes portfolio rebalancing more effective. Market movements can push investments away from targeted allocations, but rebalancing realigns them with your strategy. Your ongoing income allows you to rebalance through new contributions instead of selling existing positions, which helps avoid tax implications.

Conclusion

We have a strong team of professionals helping ensure you receive all the assistance you need not only in developing your retirement income strategy, but in maintaining it throughout your retirement. Contact us today at 559-230-1648 or visit us today at Soutas Financial to see how we can help you Retire ”Your Way!”

Other Related Articles on financial management services

Investment advisory services offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser. The commentary on this website reflects the personal opinions, viewpoints, and analyses of the author, Soutas Financial, and should not be regarded as a description of advisory services provided by Foundations Investment Advisors, LLC (“Foundations”), or performance returns of any Foundations client. The views reflected in the commentary are subject to change at any time without notice. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security, or any security. Foundations manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Foundations deems reliable any statistical data or information obtained from or prepared by third party sources that is included in any commentary, but in no way guarantees its accuracy or completeness.

The post Why Delayed Retirement Could Be Your Smartest Money Move in 2025 appeared first on Soutas Financial.

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