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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Have you heard of the 15-year catch-up contribution rule for 403(b) plans? This little-known provision could allow long-term employees of schools, hospitals, churches, and other nonprofits to contribute thousands of dollars more toward retirement.
Retirement planning isn’t what it used to be. Twenty-five years ago, pensions were common, people worked longer, and the financial landscape looked very different. Today, the responsibility has shifted more onto individuals, with 401(k)s, Roth accounts, and longer life expectancies changing the game.
Most financial advice warns about not saving enough for retirement, but what if you’re saving too much?
Thinking about hiring a financial advisor but not sure what to expect?
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.
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.
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.
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.
If you have a pension, you might be asking: Do I really still need to save for retirement? In this video, I’ll break down why the answer is usually yes. You’ll learn firsthand why having extra retirement savings matters.
In this heartfelt conversation, Dan and Leah share how Quality of Life Planning® helped a woman and her husband find a healthier financial path forward.