Tag: retirement planning

Sequence of Returns Risk: What a Bad First Five Years Does to a $3 Million Retirement, and the Four Defenses That Work

Sequence of returns risk replayed on $3M with real 2000 to 2025 returns: same average, a $6.2M gap…

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When Should a Woman With $2 Million Claim Social Security? The Single, Divorced, and Widowed Answers for 2026

When should a woman claim Social Security? 2026 answers for single, widowed, and divorced women with $2M: why…

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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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What Is a QCD — and Why It May Be the Smartest Charitable Move in Your Retirement Plan

By Hazel Secco, CFP® CDFA® | Align Financial Solutions If you have an IRA and you give to…

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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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The Complete Guide to Meta Employee Benefits (2026)

Written by Hazel Secco, CFP®, CDFA® If you’re a Meta employee or considering joining the company, you’ve probably…

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What to Do with a Windfall: RSU Vesting, Bonus Season, and Big Raises

Written by Hazel Secco, CFP®, CDFA® Key Points: When a windfall hits your account—whether from a bonus, a…

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