Smart Money Moves to Make for 2026
Whether you’re retiring in five years or still figuring out your ideal timeline, here are some smart money moves to make now that can strengthen your financial position heading into 2026 and beyond.
What to Do With an Inheritance: Smart Moves for Wealth Preservation
Receiving an inheritance can be a financial turning point, but without a clear strategy, it can quickly become a missed opportunity. Learn how to approach inherited assets, taxes, and investment decisions with clarity and purpose.
Mega Backdoor Roth IRA: The Secret Wealth-Building Strategy
If you’re a high-income earner you may have already maxed out your traditional Roth IRA or found yourself phased out due to income limits. But there’s a powerful tool that many investors haven’t fully taken advantage of—the Mega Backdoor Roth IRA. Despite the complicated name, the strategy is surprisingly straightforward and can be a game-changer for long-term, tax-free wealth accumulation.
Investment Management Strategies for Long-Term Wealth Building in Retirement
When you’ve accumulated substantial assets and your retirement horizon is in sight, investment isn’t about chasing every hot trend; it’s about preserving wealth, generating income, controlling risk, and handing forward a legacy. For high-net-worth individuals, the stakes are higher, but so are the opportunities. Below are strategies from Seaside Wealth Management that can help ensure your wealth continues to grow, supports your desired lifestyle, and weathers market cycles, inflation, and unexpected events.
Why You Need a Retirement Financial Advisor
Planning for retirement today is not what it was for previous generations. Pensions are less common, Social Security may not cover the full cost of living, and healthcare expenses continue to climb. Add to these factors the uncertainty of market volatility and changing tax laws, and it’s no wonder many people feel overwhelmed. A retirement financial advisor can help you navigate these challenges. Instead of guessing or piecing together conflicting advice, you’ll have an expert who understands both the big picture and the small details that make your plan work.
Understanding the Roth IRA 5-Year Rule: What Retirees Must Know to Avoid Penalties
We love the Roth IRA—and most of our clients do too. What’s not to love about tax-free growth and tax-free withdrawals in retirement? But there’s one important detail that trips people up far too often: the 5-year rule. If misunderstood, the 5-year rule can lead to unexpected taxes and penalties, even when you thought your Roth withdrawal would be tax-free. Let’s break it down simply—because when you understand how the 5-year rule works, you can use it to your advantage and protect more of your hard-earned savings.