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Michelle Olechowski Riiska, ChFC®

Financial Planning Consultant at eMoney Advisor, LLC and 2 other companies
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Michelle is a Financial Planning Analyst at eMoney Advisor. She has a comprehensive background in financial planning, customer service, administration, sales, marketing, and communications. Michelle has delivered high quality outputs with recognition for customer service performance and financial planning insight. She has established rapport and engaged with clients from different backgrounds and personalities, while educating and explaining financial planning within a complex software.

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  • Strategic Retirement Timing: Maximize Benefits and Minimize Taxes
    Michelle highlights the importance of strategic retirement timing, noting that retiring in January might increase Social Security benefits. She advises considering bonus payouts and pension COLA adjustments. "Tax strategies differ between December and January retirements," affecting taxable income and Social Security taxes. Advisors can help clients optimize retirement timing, ensuring a smooth transition and peace of mind.
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  • If your employer offers matching contributions, failing to contribute up to the match amount is essentially leaving free money on the table.

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