A&I Financial Services

What are the IRA contribution limits for 2026? In 2026, your individual retirement account can be a valuable tax shelter if you know the rules. On our website, we offer this quick guide to help you get the latest and most pertinent information to help you control your tax bill and also take control of...Read More

Inflation is making the headlines. In retirement, inflation is particularly perfidious. If you are in retirement, inflation can eat away at your quality of life. For working people, at least there is hope that future income increases will keep pace with the cost of living. But for retirees, they don’t have a salary. How do...Read More

Should You Use Net Unrealized Appreciation (NUA) in Your 401(k)? Key Considerations for Company Stock Owners   Should I use net unrealized appreciation for my 401k company stock? If you hold company stock within your 401(k) and that stock has significantly appreciated, you may benefit from a tax strategy known as Net Unrealized Appreciation (NUA)....Read More

Rory, a recently retired pensioner, had always prided himself on her meticulous planning. He’d budgeted for travel, hobbies, and even the occasional splurge. However, a series of unexpected events threw his carefully crafted retirement plan into disarray. A sudden health scare resulted in mounting medical bills, far exceeding his insurance coverage. Meanwhile, his once-reliable pension...Read More

Selecting The Right Start Date for Social Security Income: A 6-Step Solution Welcome back! In a previous post discussing common obstacles to knowing when you should start Social Security Retirement Income (SSRI), we introduced Natalie, a hardworking healthcare professional unsure about when to begin claiming her Social Security benefits. The common challenges Natalie and many...Read More

Natalie asked, when should I start taking Social Security? Natalie worked in healthcare her entire life. She raised children, largely alone, and put them through college. Natalie was unsure if she had enough money to retire, and unsure about when to start Social Security Retirement Income. She had many friends and they would talk about...Read More

Put retirement on autopilot, with examples.Read More

"How do you make a plan today when you have no idea what could be happening some day in the future?" Find out what Annalee had to say!Read More

An aging plan helps you make difficult decisions now and communicate them to your loved ones. This way, you can live with independence and dignity all the days of your life on earth.  Watch our Aging Plans movie to learn more! Skip ahead to: Questions an aging plan answers (19 min) Family meetings (28 min)...Read More

What makes a successful retirement? More than money!  Dr. Michael Finke is a researcher who speaks around the country about financial planning. His research shows there are three pillars to happiness in retirement: Money Health Relationships Dr. Finke’s unique perspective argues that we ought to invest in each of them. Money Retirement is more than...Read More