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Balancing Student Loans and Retirement Savings
For many workers, especially those earlier in their careers, one of the biggest financial challenges is deciding how to balance student loan payments with retirement savings. The good news is that in many cases, it does not have to be...
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The Hidden Risk in Retirement - Tax Concentration
A hidden retirement risk many people miss...Most people focus on investment diversification as they approach retirement. There is another type of concentration that can have a meaningful impact on long term income, and that is taxes...
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Catching Up on Retirement Savings in Your 50s
Catching Up on Retirement Savings in Your 50sIf you’re in your 50s and feel behind on retirement savings, you’re not alone — and you still have time to make meaningful progress. Your 50s are often your highest earning years, making...
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The Road to Ready: Guaranteed Income
Are You Looking for Guaranteed Income in Retirement?As retirement approaches, one of the most important questions investors face is how to turn their 401(k) savings into reliable, long-term income. Market volatility, longevity risk,...
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More Than a 401(k): Your Road to Ready
More Than a 401(k): Your Road to ReadyWhen most people think about their 401(k), they focus on contributions and investments. While those are important, they are only one part of a much bigger picture. At Battaglia Associates Wealth...
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The Road to Ready - Social Security Is Not Going Bankrupt
Social Security isn’t going bankrupt. It will continue paying benefits, though Congress must make adjustments to maintain full funding. Personal savings and 401(k) contributions remain essential for long-term retirement security.
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Staying Invested Beats Timing the Market
Market ups and downs are a normal part of investing, but they can tempt us to make emotional decisions. History shows that trying to time the market — jumping in and out at just the “right” moment — often backfires.
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Traditional vs. Roth 401(k): What’s the Difference and Why it Matters
As part of our Road to Ready education series, I’m pleased to share this month’s newsletter article: Traditional vs. Roth 401(k): What’s the Difference and Why it Matters Not all 401(k)s are created equal. Whether you want to lower...
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The Road to Ready - Boost Savings with 401k Automatic Increases
Boost Your 401(k) Savings Automatically—Here’s How Planning for retirement isn’t just about reaching a number—it’s about building habits that move you forward. One of the simplest ways to do that is by enabling automatic deferral...
Read More2025 Mid-Year Outlook
Now that we’re officially through the first half of 2025, it’s a great time to take stock of where the markets and economy stand—and what we might expect as the year continues. So far, the markets have held up better than many expected...
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