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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: Can a terminally ill person withdraw their retirement savings without penalties?
Can you withdraw from retirement accounts if you’re diagnosed with a terminal illness? Here’s what the IRS allows—and what to watch for.
VIDEO: When to Reduce Your 401(k) Contributions | Should You Shift to Other Investments?
When should you reduce 401(k) contributions and invest elsewhere? While your 401(k) is a powerful retirement savings tool, there are times when putting too much into it might not be the smartest move for your overall financial plan.
VIDEO: Is the 4% Rule Dead? Why Bill Bengen Now Says 4.7% Is Safer for Retirement & Our Take on Guidelines
The famous 4% rule has guided retirees for over 30 years, but its creator, William Bengen, now says the safe withdrawal rate should be closer to 4.7%.
VIDEO: Do We Stop Saving If We Have Nothing to Save For? | Financial Planning Tips
If you’re debt-free, have a solid emergency fund, and still find yourself with thousands left over each month… should you stop saving?
VIDEO: Passive vs Active Management: Pros, Cons, and Our Philosophy
In this video, we dive into one of the biggest debates in investing: passive vs. active portfolio management.
VIDEO: What Happens If You Claim Social Security Early and Then Try to Claim a Spousal Benefit?
Can you claim Social Security at 62 and still get the full spousal benefit later? The short answer is no, and in this video, we’ll explain why.
VIDEO: Financial Planning for New Grads
Starting your career comes with a lot of financial decisions and sometimes, it can feel overwhelming.
VIDEO: Roth vs After-Tax in Your 401(k): What’s the Difference?
What’s the difference between Roth and after-tax contributions in your employer-sponsored retirement plan? While both are funded with money you’ve already paid taxes on, they work very differently when it comes to growth and withdrawals.
VIDEO: New 529 Plan Rules for 2025: Big Changes for K-12 and Career Programs!
Big news for families, students, and career changers! The One Big Beautiful Bill Act has expanded how you can use your 529 plan.
VIDEO: Roth Conversions: When It Makes Sense (and When It Doesn’t)
Should you convert to a Roth IRA? We cover the key pros, cons, and timing strategies—plus situations where a conversion might not make sense at all.