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Category: Retirement Planning

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 Guide

Author: Hazel Secco, CFP®, CDFA® Most retirement advice was built around a model client: a man who worked…

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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

Written by Hazel Secco, CFP®, CDFA® Verizon’s benefits package is one of the strongest in corporate America, a…

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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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SIPC Insurance: What It Is and How It Protects Your Brokerage Account

By Hazel Secco, CFP® CDFA® | Align Financial Solutions If you keep money in a bank, you’re probably…

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Retirement Planning for Bristol-Myers Squibb (BMS) Executives: A CFP®’s Guide to NQDC, Equity Comp, and the Patent-Cliff Window

Author: Hazel Secco, CFP®, CDFA® — Founder, Align Financial Solutions TL;DR — Key takeaways for BMS executives planning…

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How to Calculate Your Retirement Readiness: A Clear Answer to “Do I Have Enough?”

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

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Not Ready to Fully Retire? How to Plan a Phased Retirement on Your Terms

Written by Hazel Secco, CFP®, CDFA® If you’re in your late 40s or 50s and you’ve been building…

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What Happens to Your Equity When Your Company Goes Public?

Written by Hazel Secco, CFP® CDFA® If your company is heading toward an Initial Public Offering (IPO), it’s…

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