The 4 Building Blocks of a Reliable Retirement Paycheck
When you are working, your paycheck shows up automatically. Taxes are withheld. Benefits are handled. Cash flow is predictable. When you retire, that structure…
How Taxes Change the Day You Retire and What to Do About It
Most people think retirement gets simpler. Less work. Fewer responsibilities. A calmer pace. Then their first tax season as a retiree arrives, and everything they thought they knew….
IRMAA: The Medicare Surcharge That Can Surprise Retirees
Healthcare costs are a major part of retirement for University of Rochester professionals, and Medicare often provides meaningful relief. Many retirees assume that once they enroll, their premiums will…
What to Do With Your University of Rochester 403(b) When You Retire or Change Jobs
If you are a University of Rochester professional preparing to retire or leave the University, one of the biggest financial questions you will face is what to do with your TIAA 403(b). This decision affects your taxes, your access to money, and…
How to Leave an Inheritance Without Leaving a Tax Bill
For many University of Rochester professionals, retirement planning is not just about the years ahead. It is also about what happens to your savings after you are gone. You want to leave something meaningful…
The Hidden Cost of Claiming Social Security Too Early
For many University of Rochester professionals, Social Security is the foundation of retirement income. The question is not whether you will receive it, but when to claim it. At first glance, the decision...