Category: Retirement Planning

Estate Planning in New Jersey, What a Retiree’s Plan Needs in 2026

The documents a New Jersey estate plan needs, how NJ probate works, why NJ has no transfer on…

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How Your NJ Teachers or PERS Pension Is Calculated, and Which Option to Choose

The NJ teachers and PERS pension formula by tier, early retirement cuts, the 2026 salary cap, and how…

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Delaying Social Security to 70 Cost This Couple $137,000. One Change Made It Worth $1.5 Million

I modeled delaying Social Security to 70 for one couple. It left $137,000 less at the end. Paired…

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How Much Does a Single Woman Need to Retire? The Real Math

Author: Hazel Secco, CFP®, CDFA® 🎧 Prefer to watch or listen? I cover this in the Align Your…

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7 Financial Mistakes Widows Make in the First Two Years

Author: Hazel Secco, CFP®, CDFA® Table of Contents Most of the financial mistakes widows make are reasonable decisions…

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Can I Retire at 60? The Math, the 3 Gap-Year Problems, and a 7-Point Checklist

Can you retire at 60? How much you need, the health insurance and Social Security gap, the tax…

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Is $2 Million Enough to Retire at 60? What It Pays, What Changes the Answer, and 3 Women Who Show It

Is $2 million enough to retire at 60? What it pays per year at 3% to 4%, the…

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Microsoft Employee Benefits: The Complete 2026 Guide

Author: Hazel Secco, CFP®, CDFA® Table of Contents Microsoft employee benefits are, dollar for dollar, one of the…

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The 401(k) Catch-Up Rule That Quietly Changed for High-Net-Worth Women

Earned over $150,000 in 2025? Your 2026 401(k) catch-up contributions must now be Roth. What the SECURE 2.0…

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The Inherited IRA 10-Year Rule: How to Draw Down a $1.2 Million IRA When You Are Still Earning $400,000

Inherited IRA 10-year rule, 2026: when annual RMDs apply, the 25% penalty, and four ways to draw down…

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