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Tips For Quality of Life Planning®
This material is intended for educational purposes only. You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. Nothing in this material constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. Dorval & Chorne Financial Advisors is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.
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VIDEO: Social Security COLA & Medicare in 2027: Will Your Retirement Income Go Up or Down?
Social Security benefits are getting a cost-of-living adjustment, but does that necessarily mean more money in your pocket?
VIDEO: What Is the Accumulation Phase? How to Invest for Retirement Before You Retire
What is the accumulation phase of investing, and how should you invest for retirement when you still have 10–15+ years before you need your money?
VIDEO: Should You Pay Off Your Mortgage Before Retirement? Plus, the True Cost of Snowbirding
Should you pay off your mortgage before you retire? Is snowbirding really a smart retirement move?
VIDEO: Part 2: Asset Allocation vs. Diversification: How to Invest Based on Your Goals, Not Market Noise
What’s the difference between asset allocation and diversification, and why does it matter for your financial plan?
VIDEO: Risk vs. Volatility: How to Choose the Right Investments for Your Goals | Part 1
What is the difference between investment risk and market volatility? And how do you know whether stocks, bonds, or other investments are the right tools for your financial goals?
VIDEO: Joint & Survivor Pension: Should You Choose 100%, 50%, or Life-Only?
Choosing a pension payout option can be one of the most important and irreversible decisions you make before retirement. But what does Joint and Survivor actually mean, and how do you decide between a 100% survivor benefit, 50% survivor benefit, or life-only pension?
VIDEO: Retirement Accounts Explained: Taxable vs. Tax-Deferred vs. Roth (Which Do You Need?)
What retirement accounts should you use to build financial independence? The answer isn’t simply “401(k) vs. Roth IRA.” Understanding the differences between taxable, tax-deferred, and tax-free accounts can help you create a retirement strategy that provides both income and flexibility.
VIDEO: Tax Diversification in Retirement: How to Use 401(k), Roth IRA & Brokerage Accounts
How should you divide your retirement savings between a 401(k), Roth IRA, and brokerage account? The answer isn’t simply to save as much as possible in a tax-deferred account.
VIDEO: How Long-Term Care Can Affect Social Security Survivor Benefits for Married Couples
What happens to your retirement income if your spouse needs years of long-term care and then passes away?
Most couples plan for retirement. Many plan for the cost of long-term care. But far fewer consider what happens to the surviving spouse’s income and financial security after a long-term care event.
VIDEO: What is the best way to save for your child’s college education?
Should you use a 529 plan, Roth IRA, UGMA/UTMA, Coverdell ESA, or a regular investment account?
The answer depends on more than just tax benefits.