Common Curiosities: Retirement

Custer Financial Advisors
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We’re here trying to help you feel confident about your retirement journey. We share practical insights on today's tax strategies, investment ideas, and financial planning topics. Our goal is to aid you in making more informed decisions so finances don't hold you back from the future you dreamed of. Common Curiosities: Retirement is an educational channel and is not affiliated with Harborfront Financial, Custer Financial Advisors or LPL Financial. The views expressed are for general informational purposes only and do not represent the views of any of them.

  1. Jun 24

    Do You Actually Need Life Insurance? 5 Real-Life Scenarios Asked

    Is life insurance a necessary cost or are you paying premiums for coverage you’ve outgrown? Michael Custer CFP®, EA, CSS™ is transparent about his take on the industry. He doesn't love paying for insurance, but it's valuable when needed. So, when would he look at getting life insurance, and when would he pass? Also, what type of insurance does he lean toward? Today, he breaks down some real-world scenarios aimed to help you decide if coverage may be a good idea for you or may skip it! Here are the scenarios he explores in this episode: 💭 Term vs. Whole vs Variable Life 💭 What's laddering life insurance policies? 💭 The Young Family: How you may structure coverage for a single-income household with three kids. 💭 The Single Professional: Why he might skip the policy entirely 💭 The Small Business Owner: How you may use buy-sell agreements 💭 The Pre-Retiree with retirement savings but lost their job 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com Chapters: 00:00 Thought on Life Insurance 00:56 Comparing Different Life Ins. Types 03:21 Stay Home Spouse & 3 Kids 04:38 What's Laddering a Life Policy? 05:42 Single and No Kids. Need Life Insurance? 06:10 Own Small Business. Need Life Ins.? 07:11 Business Buy-Sell Agreement? 07:40 65 & Laid Off. Keep Our Insurance? 09:28 Married & Have a Kid Now 12:55 Life Ins. Premium Disclosures .mp3 Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

    13 min

  2. Jun 10

    Can You Get Social Security on an Ex‑Spouse? Ideas for an Annuity You Don’t Want & More! Q&A

    Turns out, a lot of people have the same questions sitting in the back of their heads. They just don't always know who to ask or are scared to ask! In this episode, Michael Custer CFP®, EA, CSS™ digs into four questions. The kind that sound simple on the surface but can get complicated when planning in depth. We're working through the tradeoffs, the gray areas, and the decisions that may look different for everyone. Also… a quick detour into Buc-ee's. Because apparently a gas station can have a great brisket sandwich?! Topics include: 💭 Social Security and divorce. When you can (and can't) claim off an ex-spouse 💭 What happens to Social Security when a spouse passes away 💭 Annuities. What to options there may be when you don't want it anymore. 💭 How to think about surrender charges and your options for getting out 💭 Should this couple stash cash, payoff the home, or invest to retirement more? 💭 Why the "best" financial move isn't always just about the math The goal isn't to hand out one-size-fits-all answers. It's to help you think a little more clearly about your own situation, your own tradeoffs, and what might make the most sense for you. Two people can make completely different decisions… and both can be on the right path. Stay curious our friends! 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

    21 min

  3. May 27

    Why the Usual Retirement Withdrawal Advice May Fall Short

    A lot of retirement withdrawal advice is simple: Something like 1.) Spend your brokerage account first, then 2.) Use our pre-tax accounts, and 3.) save the Roth assets for last. But when you really study it, does that always make the most sense? In this episode, Michael Custer CFP®, EA walks through a different way to think about retirement income. Instead of following a rigid order, this conversation explores how blending accounts, trying to use tax brackets intentionally, and thinking about asset location may create more flexibility and hopefully reduce your taxes over your lifetime. Using a “retirement coffee shop” metaphor, we break down how each account works, where taxes show up, and how small decisions each year can shape the bigger picture. 𝐖𝐡𝐚𝐭 𝐘𝐨𝐮’𝐥𝐥 𝐋𝐞𝐚𝐫𝐧 💭 Why the common “spend this account first” rule may not fit your retirement income plan 💭 How brokerage accounts could be more tax efficient than many people think 💭 The role of standard deductions and lower tax brackets in retirement income planning 💭 How “use it or lose it” tax opportunities may be used each year 💭 When it may make sense to pull from multiple accounts instead of just one 💭 How required minimum distributions (RMDs) can impact future tax brackets and Medicare costs 💭 The difference between asset allocation and asset location—and why both matter 💭 How tax gain harvesting works and when it may create low or even zero federal tax outcomes on capital gains 💭 Why Roth accounts are often treated as long-term flexibility tools, not just “last to use” assets Retirement isn’t just about what you’ve saved—it’s about how you can use it. 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com Chapters: 00:00 Breaking the Normal Retirement Withdrawal Advice 01:17 What if We're More Tax Efficient? 02:10 Different Type of Accounts 03:37 Generating Income in Retirement 04:21 Pros/Cons of Different Account Types 06:49 Free Tax Refills?! 08:39 Why Not Spend Accounts One at a Time? 10:55 Using Tax-Gain Harvesting 13:18 Implementing Asset Location 16:29 Crafting Your Custom Income for Retirement Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

    20 min

  4. May 20

    Primary Home Tax Breaks: What Every Homeowner Should Know!

    Homeowners do have access to valuable tax deductions and strategies but most people only know about one or two of them. In this episode, Michael Custer CFP®, EA explores some of the most common tax planning tools available on your primary home. 𝐖𝐡𝐚𝐭 𝐘𝐨𝐮'𝐥𝐥 𝐋𝐞𝐚𝐫𝐧! 💭 The mortgage interest deduction: Who qualifies, the limits, and why many people don't use it. 💭 Property tax deductions, including the recent increase to the amounts allowed. 💭 The home sale capital gains exclusion 💭 How home improvements could increase your cost basis and may reduce your taxable gain when you sell 💭 The home office deduction for self-employed business owners — what "exclusive use" means 💭 The Augusta Rule: How renting your home for up to 14 days a year may be completely tax-free Whether you're wondering if you can deduct mortgage interest, thinking about selling your home, or just looking for ways to pay less in taxes, this episode could help you find strategies worth exploring. 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com Chapters: 00:00 Home Tax Strategies 01:31 Wife's Resident Match Day! 02:56 Deduction for Mortgage Interest Paid? 04:47 Property Tax Deductions? 05:39 Tax Gain Exclusion on My Home? 07:13 Converting Home to a Rental? 08:10 Improvements vs. Repairs 10:29 Home Office Deductions 12:35 Tax Free Rental of Home? 14:08 Be Careful of the Internet Advice Sometimes Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

    18 min

  5. May 13

    We Used Financial Software to Try and Find a Roth Conversion Sweet Spot — Here's What We Found

    In the previous episode, we broke down what IRMAA is and why it catches so many retirees off guard when it comes to Medicare surcharges. Now it's time to actually see it in action. In this episode, Michael Custer CFP®, EA pulls up real retirement and tax planning software tools and walks through a live scenario — showing how Roth conversions, IRA distributions, and even paying off your home could trigger Medicare surcharges you didn't saw coming. 𝐖𝐡𝐚𝐭 𝐘𝐨𝐮'𝐥𝐋 𝐋𝐞𝐚𝐫𝐧! 💭 How a couple with $1.5M in pre-tax savings could increase their plan's success rate from 76% to 88% just through tax strategies 💭 Why converting up to the 22% bracket could trigger IRMAA 💭 An IRMAA-aware conversion strategy that could add to your tax-adjusted retirement assets 💭 How RMDs quietly push retirees into higher Medicare brackets in their 80s 💭 The senior enhanced deduction people don't know they're phasing out of 💭 What can happen to your Medicare bill when you pull a large IRA distribution to pay off your house 💭 Why going just slightly over the IRMAA threshold might mean you should use the whole tier instead 𝐍𝐞𝐰 𝐭𝐨 𝐭𝐡𝐞 𝐒𝐞𝐫𝐢𝐞𝐬? 💭 You may want to watch Part 1 where we cover what IRMAA is, how the cliff rule works, and why your taxable income isn't what Medicare really cares about. Chapters: 00:00 Tax Time Bomb for Retirees? 01:09 Software Uses for Tax Planning 01:41 Background Info on Couple 02:22 Do We Need 100% Success Rate? 02:55 Exploring Roth Conversions 04:04 Improve Retirement Chances but Hitting Medicare Surcharges? 05:36 Managing RMDs and Future Taxes 06:32 Increase Retirement Spending for Better Outcomes? 07:15 Different Spending Methods in Retirement 07:53 Software for Tax Analysis Ideas 08:49 Losing Senior Tax Deductions? 10:03 Roth Conversions and Their Impact on Income 11:19 Taxes of Large Home Payoff In Retirement from Retirement Accounts 13:14 Let's Try to Avoid Paying More In Tax Than Legally Possible 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

    16 min

  6. May 6

    Medicare Surcharges and How Roth Conversions Could Trigger Them

    Are you doing Roth conversions without checking this first? If you're not factoring in Medicare surcharges (IRMAA), you could accidentally be paying more for Medicare without even finding out until two years later. In this episode, Michael Custer CFP®, EA breaks down one of the hidden cost of "blind" Roth conversions he sees often. Why could converting too much trigger an Medicare surcharge even if your taxable income looks fine? 𝐖𝐡𝐚𝐭 𝐘𝐨𝐮'𝐥𝐥 𝐋𝐞𝐚𝐫𝐧! 💭 Why taxable income and Medicare's MAGI are two different things 💭 The "large party surcharge" — a metaphor that may make IRMAA click easier 💭 How the cliff rule works 💭 What income sources get counted toward MAGI that most people overlook. 💭 Why the two-year lookback makes Medicare surcharges easy to miss 💭 Real examples of Roth conversions gone wrong — and what a different approach may look like 💭 When hitting IRMAA might actually be worth it and when you may want to avoid it 𝐖𝐡𝐨 𝐓𝐡𝐢𝐬 𝐈𝐬 𝐅𝐨𝐫. 💭 Pre-retirees with significant IRA or 401(k) balances thinking about Roth conversions 💭 Anyone who has heard about the "tax bomb" and is wondering how aggressively to convert 💭 Retirees already on Medicare who want to understand why their premiums might be higher 𝐂𝐨𝐦𝐢𝐧𝐠 𝐔𝐩 𝐍𝐞𝐱𝐭! 💭 Part 2 episode — Michael will pull up software and walk through the actual dollar amounts so you can see what this looks like in a real retirement plan. We hope this helps you learn ideas that could meaningfully improve your retirement plan! Chapters: 00:00 Hidden Cost to Medicare 02:03 Large Party Surcharge 03:10 The Standard Playbook 04:06 Income Level for Medicare 06:19 How the Surcharge Works 06:59 Medicare Cliff Rule 09:46 Senior Extra Deduction Loss 10:43 Don't Forget All Sources of Income! 11:43 Taxed Even Without Selling? 13:44 Too Much In One Year? 15:10 Math on Net Worth? 16:43 Make Sense to Pay IRMAA Sometimes? 17:11 More Shadow Taxes Coming? 21:46 Not a Life Long Penalty & Major Events 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com **#RothConversion #IRMAA #RetirementPlanning #MedicareSurcharge #TaxPlanning #RetirementTaxes #FinancialPlanning #CommonCuriosities** Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

    25 min

  7. Apr 29

    Active or Passive Investing, Alpha, and Annuities Surrender Options?

    When it comes to investing, a lot of the terminology can feel confusing. What is active vs passive investing? What does alpha actually measure? And what happens if you want to get out of an annuity but there is a surrender charge involved? In this episode of Common Curiosities: Retirement, Michael CFP®, EA walks through three questions that came up. Topics include: 💭 The difference between active and passive investing 💭 How alpha can impact your investing selections 💭 How professionals compare funds using risk adjusted returns 💭 Ideas to get out of an annuity you no longer want 💭 How penalty free withdrawals may work with an annuity 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com Chapters: 00:00 Introduction to Active and Passive Investing 00:13 Type of Investing, Alpha, Annuities 00:56 Can't Breathe & Swallow? 01:12 Active vs Passive Investing 05:11 Evaluating Investment Teams 06:35 What the Heck is Alpha? 07:52 Fund is "Up a Lot" But It's Still Underperforming? 09:09 Where Can You Find Alpha? 09:34 Annuity Penalties and Free Surrenders 12:10 Other Ideas to Avoid Penalties 13:21 Taylor Swift Fan? Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

    16 min

  8. Apr 22

    The Cookie Cutter Age-Based Portfolio — Is It Really Built for You?

    We find that many people heading into retirement aren't aligning their own life with their investment portfolio and they don't even know it! The investment industry has often placed people in specific investments based upon their age, but why may you want to build a custom investment portfolio based on your life and instead of your age? Here's what we cover: 💭 Why your life and goals — not your age — should drive your investment selections 💭 The "Inertia Trap" — why staying with what worked can quickly backfire 💭 Why a cookie-cutter, age-based portfolio could be leaving money on the table 💭 The math behind market losses 💭 How we've seen sequence of returns risk hurt people's retirement 💭 How building your "moat" is one approach aimed at helping protect your portfolio in your retirement Whether you're retiring in the next 5 years or already living off your investments, this episode may help you ask better questions about whether your portfolio is truly built for your life. 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com Chapters: 00:00 Custom Portfolio Based on Your Scenario Not Your Age? 01:49 Your Spending Plan Isn’t Your Accumulation Plan 03:27 Past Performance Trap 06:37 How Negative Markets Can Effect Retirement Spending 08:23 The Climb Out is Steeper than the Fall 09:40 Cookie Cutter Portfolio 11:19 Paying Too Much for Less Volatility? 13:57 Why Doesn't Every Account Look the Same in Retirement? 14:40 Your Own Portfolio Not Age Based Only 15:33 How Do You Trade In Negative Years? 17:02 How to Build Your Custom Portfolio Ideas 19:44 Why Some Retirees Like Custom Portfolio Allocations 21:43 It's Not About Your Age Here 22:14 What's Your Plan During Big Down Years? 22:52 Does Your Investments Match Your Life or a Base Template? Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

    26 min
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About

We’re here trying to help you feel confident about your retirement journey. We share practical insights on today's tax strategies, investment ideas, and financial planning topics. Our goal is to aid you in making more informed decisions so finances don't hold you back from the future you dreamed of. Common Curiosities: Retirement is an educational channel and is not affiliated with Harborfront Financial, Custer Financial Advisors or LPL Financial. The views expressed are for general informational purposes only and do not represent the views of any of them.

Information

  • Creator
    Custer Financial Advisors
  • Years Active
    2025 - 2026
  • Episodes
    61
  • Rating
    Clean
  • Copyright
    © Custer Financial Advisors
  • Show Website
    Common Curiosities: Retirement