Category: Retirement Planning

Solo Aging Financial Planning: Building Your Professional Family When There’s No One Obvious to Call

Author: Hazel Secco, CFP®, CDFA® Table of contents You’ve run the portfolio numbers, the withdrawal rate, the Social…

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Roth Conversion Window: The Years High Earners Miss

The Roth conversion window is the stretch of low-bracket years between retirement and RMDs, and it closes for…

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Can I Retire With $2 Million? Real Math for a Single Woman at 55

Author: Hazel Secco, CFP®, CDFA® 🎧 Prefer to watch or listen? This episode of Align Your Retirement covers…

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IRMAA 2026: The Medicare Surcharge That Hits Two Years Late

Author: Hazel Secco, CFP®, CDFA® 🎧 Prefer to watch or listen? This episode of Align Your Retirement covers…

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The 4% Rule in Retirement: Why It Doesn’t Work for Women

The 4% rule assumes a 30-year retirement. Women often need 35 to 40 years. Here’s the real safe…

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Health Insurance Before Medicare: How to Retire Before 65

Retiring before 65? ACA subsidies key off your income. How the MAGI dial, the 2026 subsidy cliff, and…

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Retirement Planning for Women Over 50: The Complete 2026 Guide

Retirement planning for women in 2026: the longer-life math, the retirement runway, Roth conversion windows, Social Security timing,…

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Retirement Withdrawal Strategy: Which Accounts to Tap First

Author: Hazel Secco, CFP®, CDFA® Here is what a well-sequenced withdrawal plan can look like in practice: $200,000…

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Verizon Employee Benefits: 401(k), Pension & Separation Offers

About this guide. Align Financial Solutions is not affiliated with, endorsed by, or sponsored by Verizon Communications Inc….

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The Widow’s Penalty: Why Taxes Often Rise After Losing a Spouse

Author: Hazel Secco, CFP®, CDFA® Why does a widow usually pay more in taxes than she did when…

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