Flavia Nunes | Source | Wealth Advisor at SteelPeak Wealth
Flavia Nunes
At SteelPeak Wealth, Flavia's focus lies in fostering robust client relationships and sculpting tailored financial plans. Her expertise in wealth management strategies and client relationship management, honed over multiple years in the financial sector, allows her to guide individuals and businesses towards their financial aspirations.
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SteelPeak Wealth
Wealth Advisor
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3 Brilliant Money Moves Many Retirees Don’t Know About
One move is the equivalent of "giving yourself a raise."
Article
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The Myth of Declining Expenses in Retirement: A Financial Reality Check
Flavia highlights that retirees often need more money than anticipated due to ongoing financial support for family, rising healthcare costs, and lifestyle changes. She advises pre-retirees to budget carefully, consider Health Savings Accounts, and delay social security benefits. Creative budgeting and strategic planning can ensure a stress-free retirement.
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With a Roth IRA, your funds will grow tax-free, and you will not have a required minimum distribution (RMD). Think of a Roth conversion as a way to pay taxes upfront, so you can enjoy tax free withdrawals later. You are pre-paying in advance, at a potentially lower rate, to enjoy peace of mind withdrawals later, while still having the ability to forgo the withdrawal and leave the funds to continue to compound.
