Retirement Planning
A $4 million investment portfolio sounds like a lot. And it is. But for a Palm Beach family that also owns a $5 million residence, has $3 million in real estate elsewhere, holds $4 million in a closely held business, and carries $2 million in retirement accounts, the investable assets are less than a quarter…
Most retirement planning conversations start with a number: how much do I need to retire? That’s the wrong place to start. The right place is the tax picture, because how income is structured, timed, and drawn from different accounts determines what that number actually produces in take-home income. For Palm Beach Gardens retirees, that picture…
The SECURE Act 2.0, signed December 29, 2022, made more than 90 changes to retirement savings rules. Most took effect gradually across 2023, 2024, 2025, and 2026. Several provisions that matter most to high-income households and retirees are now fully in effect, and a few are still rolling out. Bouchey Financial Group helps clients integrate…
One of the most common questions people bring to a first planning conversation is whether their current advisor is actually working for them – or working for the firm. It’s a fair question, and the answer depends entirely on how the advisor is compensated and what legal standard they operate under. Bouchey Financial Group serves…
Retirement is the most financially consequential transition most families will make – and it rarely goes wrong because of the portfolio. It goes wrong because nobody coordinated the tax strategy with the withdrawal plan, or because Social Security was claimed before anyone modeled the alternatives. Bouchey Financial Group serves Jupiter and Palm Beach County families…
If you’ve been searching for a financial advisor in the Utica area who is genuinely fee-only and fiduciary, you already know what you’re looking for – and why it matters. Bouchey Financial Group is an independent, SEC Registered Investment Advisor serving clients throughout Central New York and beyond. With a team of CFP™ professionals, CPAs,…
Most people approaching retirement have two professionals managing their financial life – an investment advisor and a CPA – who rarely talk to each other. The result is investment decisions made without tax context, and tax returns filed without any forward-looking strategy. Bouchey Financial Group solves that problem by bringing CFP® professionals and CPAs together…