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The Epstein and White Financial Blog

Building Lifelong Relationships Rooted in Performance and Trust.

1905, 2022

3 Major Retirement Expenses to Include in Your Budget

May 19, 2022|Financial Planning, Retirement Planning|

General retirement planning advice says that you’ll need about 80% of your pre-retirement income in retirement, but this may not be the case for everyone. Inflation, taxes, and long-term care costs are easily overlooked - but these expenses could be high. When creating your retirement budget, don’t forget to include these three expenses. Taxes: How Much Will You Pay in the Future? It’s easy to forget [...]

605, 2022

Rising Interest Rates and High Inflation – How Will You Respond?

May 6, 2022|Economy, Federal Reserve, Financial Planning|

The Federal Reserve voted to raise interest rates for the first time since 2018 and has several more rate hikes planned for this year.[1] Rising interest rates can have significant effects on the economy and your finances. Between a volatile market, high inflation, and rising interest rates, know how you’ll respond. The Federal Reserve Raising Interest Rates for the First Time Since 2018 The Federal Reserve [...]

2804, 2022

Estimating Your Tax Burden in Retirement

April 28, 2022|Tax Planning, Tax Strategies, taxes|

Taxes could be one of your biggest expenses in retirement. But once you have an estimate for your tax burden in retirement, you can consider ways to minimize it. The first step towards creating a tax minimization strategy in retirement is looking at how your different sources of income will be taxed. Pensions If you have a private pension, your pensions payments could be taxed at [...]

2104, 2022

Why We Could See More Inflation and Market Volatility

April 21, 2022|Economy, Retirement Income, Stock Market|

As we saw during the COVID-19 pandemic, what happens somewhere halfway around the world can have a major impact on us. Now, the global economy faces new threats as a result of Russia’s invasion of Ukraine, including spiking energy prices, inflation, and a volatile market. Know how you could be affected and what strategies you can pursue to help protect your savings. Are You Protected from [...]

1504, 2022

Three Birthday Milestones That Could Change Your Tax Situation

April 15, 2022|Financial Planning, Retirement Planning|

When we think of milestone birthdays, we often think of ones that are already behind us – like 18 and 30. But there are plenty of important birthdays ahead of you, especially as you near and enter retirement. Starting at age 50, several birthdays are critical to acknowledge because they can have implications for your retirement and tax situation. Age 50 At age 50, workers can [...]

804, 2022

Will Your Savings Last for the Rest of Your Life?

April 8, 2022|Retirement Income, Retirement Planning|

Once you’ve saved enough for retirement, the question becomes how you’ll make your savings last for the rest of your life. Higher costs make this difficult, and we’ve been seeing higher costs as a result of inflation for some months. It’s important to know how inflation can erode your savings over time and how to create a plan to address this. We Could See “Persistently Higher [...]


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