Articles by Montoya Wealth

Occasionally Prescott punches above its weight, bringing a celebrity or top musician to live among us.

Take the case of Jack Petersen. Jack likes jazz and plays the guitar. Which is to say, in the early 1960s he developed the jazz-guitar program at the Berklee College of Music (the Yale of music schools) and subsequently went on to even greater things in the world of jazz.

Here in the retirement planning world, the December passage SECURE Act has been a pretty big deal. This isn’t surprising given that the bill was intended to help more Americans benefit from various retirement vehicles, including Individual Retirement Accounts (IRAs).

One of the greatest legacies any parent can give a child is a framework for living an enduring, healthy lifestyle. In fact, it’s nearly impossible to underestimate the power that parents have on their children’s development, which is why parenting is such a profound responsibility.

Creating a successful financial legacy isn’t just about leaving money to kids and grandkids; it’s also about the financial tools and skills you help them develop along the way.

Ann Sult is a mother and a grandma, but still, she’s not yet done giving birth. Her other children are grown and her official retirement date is four years past, but still. It’s just that these days, what she labors over isn’t flesh and blood, but paintings.

If your retirement dream is to sip a French roast coffee and savor a baguette from a sidewalk shop on the Champ Elysees peering at the Eiffel Tower, Brandon Montoya would welcome a postcard.

The transition from career to retirement can offer a welcome opportunity for retirees to follow their bliss. But it can also leave people adrift without their routines, social networks, and workplace identities. Here are several questions you can ask yourself to navigate the pitfalls and opportunities of retirement and create an ideal-for-you post-career life.

A friend of ours, Deborah, recently lost her husband after a long illness. During the weeks and months leading up to his passing, Deborah took care of Jim. It wasn’t until after the funeral that she gave much thought about what living alone would mean.

As you head into retirement, it’s a good idea to start thinking about how you plan to manage the tax consequences of accessing your nest egg. Instead of allowing IRS rules to be your default tax strategy, it may be worth looking at whether converting some part of your traditional IRA to a Roth IRA will allow you to come out ahead.

One of the greatest legacies any parent can give a child is a framework for living an enduring, healthy lifestyle. In fact, it’s nearly impossible to underestimate the power that parents have on their children’s development, which is why parenting is such a profound responsibility.

Creating a successful financial legacy isn’t just about leaving money to kids and grandkids; it’s also about the financial tools and skills you help them develop along the way.

Ann Sult is a mother and a grandma, but still, she’s not yet done giving birth. Her other children are grown and her official retirement date is four years past, but still. It’s just that these days, what she labors over isn’t flesh and blood, but paintings.

If your retirement dream is to sip a French roast coffee and savor a baguette from a sidewalk shop on the Champ Elysees peering at the Eiffel Tower, Brandon Montoya would welcome a postcard.

The transition from career to retirement can offer a welcome opportunity for retirees to follow their bliss. But it can also leave people adrift without their routines, social networks, and workplace identities. Here are several questions you can ask yourself to navigate the pitfalls and opportunities of retirement and create an ideal-for-you post-career life.

A friend of ours, Deborah, recently lost her husband after a long illness. During the weeks and months leading up to his passing, Deborah took care of Jim. It wasn’t until after the funeral that she gave much thought about what living alone would mean.

Here in the retirement planning world, the December passage SECURE Act has been a pretty big deal. This isn’t surprising given that the bill was intended to help more Americans benefit from various retirement vehicles, including Individual Retirement Accounts (IRAs).

As you head into retirement, it’s a good idea to start thinking about how you plan to manage the tax consequences of accessing your nest egg. Instead of allowing IRS rules to be your default tax strategy, it may be worth looking at whether converting some part of your traditional IRA to a Roth IRA will allow you to come out ahead.

Some myths & misperceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits.