Resources
November 2022
May 2023
- Reasons to Roll
- How Taxes Impact Your Retirement-Income Strategy
- Yours, Mine, and Ours: Financial Tips for Blended Families
- Protecting Your Business Against the Loss of a Key Person
What is retirement planning?
Retirement planning is the process of preparing financial resources and income strategies to support your lifestyle after leaving work.
When should I start retirement planning?
Ideally, retirement planning should begin as early as possible, but it becomes especially important during the 10–15 years before retirement.
What is the biggest risk in retirement?
One of the biggest risks is outliving your savings due to poor withdrawal planning, inflation, or unexpected expenses.
Does retirement planning include taxes?
Yes. Taxes play a major role in retirement income and should be coordinated with investment and withdrawal strategies.
What does an investment manager do?
An investment manager builds and oversees a portfolio designed to meet a client’s financial goals while managing risk and market exposure.
How is investment management different from financial planning?
Investment management focuses specifically on portfolio construction and oversight, while financial planning includes broader goals such as retirement, taxes, and estate strategy.
Do you actively trade stocks?
Portfolios are generally managed using a long-term, disciplined strategy rather than frequent trading.
Is a 401(k) rollover taxable?
A direct rollover is not taxable when funds are transferred correctly between qualified accounts.
What is the difference between a rollover and withdrawal?
A rollover moves funds into another retirement account, while a withdrawal removes money for spending and may trigger taxes and penalties.
Can I roll my 401(k) into an IRA anytime?
You can typically roll over a 401(k) after leaving an employer or meeting plan-specific rules.
What is tax strategy coordination?
Tax strategy coordination is the process of aligning financial planning and investment decisions to minimize taxes over time.
Do you prepare tax returns?
No. Tax return preparation is typically handled by a CPA or tax professional. We focus on coordinating financial strategies with tax planning.
Can tax strategy reduce how much I pay in retirement?
Yes, when properly structured, strategies such as Roth conversions and withdrawal sequencing may help reduce lifetime taxes.
Is J Nelson Financial Group a fiduciary?
Yes, the firm operates as a fiduciary when providing financial planning and advisory services.
What services does the firm provide?
Services include retirement planning, investment management, tax strategy coordination, and 401(k) rollover guidance.
Who does the firm work with?
We work with individuals, families, retirees, and business owners seeking long-term financial planning and investment guidance.
October 2022
Part 2
* The hyperlinks provided above direct to websites operated by third parties. The links are provided as a convenience only and are not an offer or sale of securities which are made only by prospectus. *
April 2023
- How Changing Shelter Costs Influence Inflation
- Social Security Offers Benefits from Birth Through Old Age
- Diversifying with Market Caps
- Keep an Eye Out for IRS-Related Scams
October 2022
Part 1
March 2023
- Child-Care Affordability Is All Over the Map
- Time for a Spring Cleanup: Organizing Your Financial Records
- Could Your Living Situation Change as You Grow Older?
- Business Owners Should Prepare for Stronger Tax Enforcement
February 2023
- Honey, They Shrunk the Groceries
- Key Retirement and Tax Numbers for 2023
- Should You Consider Tax-Loss Harvesting?
- Random Acts of Financial Kindness
January 2023
- Retirement Age Expectations vs. Reality
- Balancing Stocks and Bonds in One Fund
- Debt Optimization Strategies
- The Inflation Experience Is Painful and Personal
December 2022
- Stimulus Payments: Spending, Savings, or Both?
- A 529 Plan Can Help Jump-Start Your College Fund
- When Should Young Adults Start Investing for Retirement?
- Tips for Safe Online Shopping
November 2022
- New Vehicle Shortages Drove Up Used Vehicle Prices
- Sectors: Overweight, Underweight, or Just Right?
- Year-End 2022 Tax Tips
- Four Tips for Keeping Heating Costs Down This Winter
October 2022
- Wedding Bonanza: How Much Will the Party Cost?
- Retirement Savings in a Volatile Market
- Famous People Who Died Without Proper Planning
- FAFSA Opens on October 1
September 2022
- Three Decades of College Cost Increases
- How Much Life Insurance Do You Need?
- Pooled Income Fund: A Charitable Gift That Provides Income to You
- Building Financial Resilience
August 2022
- Rising Interest Rates
- Dividends for Income and Total Returns
- Finding Forgotten Funds
- The Potential Benefits of Roth IRAs for Children
May 2022
- Do You Have a Will?
- What's the Difference Between Medicare and Medicaid?
- What's Your Retirement Dream Elevator Pitch?
- Avoiding Probate