Retirement Planning

Retirement Planning

At Wealth Alliance Group, our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone to our foundation of success.

Our site is filled with educational videos, articles, slideshows, and calculators designed to help you learn more. As you search our site, don’t hesitate to send our team questions you may have about any of the services we offer. We’ll always get back to you quickly with a thoughtful answer!

Roth 401(k) vs. Traditional 401(k)

Your retirement income can vary widely depending on what type of account holds your savings and what assumptions are made about overall returns and tax rates during the accumulation and withdrawal periods.

Self-Employment Retirement Plan Maximum Contribution

Compensation for a self-employed individual (sole proprietor or partner) is that person’s “earned income.”* The starting point to determine the individual’s earned income is the net profit amount from the Schedule C (or Schedule K-1 for a partnership).

Retirement Resources

Where will your retirement money come from?

If you’re like most people, qualified-retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources. We can help!

8 Timeless Principles of Investing


Market movements, business decisions, economic events, politics, interest rates—many factors can influence the performance of your investments. Instead of worrying about events that are out of your hands, focus on what’s in your control.

The financial markets have rewarded long-term investors. The chart shows how various asset classes have performed over time. Keep in mind, however, that past performance does not guarantee future results and individuals can’t invest directly in an index.
News cycles driven by fear, uncertainty, and doubt can challenge even the most disciplined investor. Some headlines spark anxiety, while others try to goad you into chasing the hottest fads and trends. Although we live in an era of seemingly infinite data, information overload can cause you to reconsider investment decisions.
Market timing is the strategy of trying to predict future market movements to time buying and selling decisions. When markets are rallying or pulling back, it can be very tempting to try to seek out the top to sell or the bottom to buy. The problem is that investors usually guess wrong, missing out on the best market days. Another approach is to focus on time in the markets, which may let you ride out the natural market cycles and focus on your long-term goals.

Market risk– or the risk of your portfolio losing value due to factors such changing market conditions– isn’t the only type of risk to be concerned about. Personal risk, such as longer lifespans and rising healthcare costs, means that Americans needs to consider a variety of factors as they prepare for retirement. Understanding risk as it relates to your time horizon and investing goals is critical to a financial strategy.


Emotional decision making can lead to making the wrong decision
at the wrong time. A Dalbar study found that while the S&P 500
returned 9.85% for the 20-year period ending in 2015, the average
investor fared worse, seeing a return of only 5.19% during the
same period. Emotional decision making was one of the factors
that contributed to the difference in performance.3

3. The, 2020


The sooner you begin investing, the longer your money can work for you. Let’s look at two hypothetical investors, Sally Starts and Dave Delays. When Sally turns 50, she starts contributing $25,000 a year to an account that earns a hypothetical 6%. After 10 years, she stops making payments. Dave puts off his investing program. At age 60, he begins setting aside $25,000 a year into an account that earns a hypothetical 6%. Though both have contributed equal amounts, Sally has the magic of compound interest working for her. When they both reach age 70, Sally’s account balance is nearly twice the size of Dave’s.4

4. This example is for illustrative purposes only and does not represent an actual investment or combination of investments. Annual contributions are made at the beginning of the compounding period. This hypothetical example does not reflect taxes or any fees. Past performance does not guarantee
future returns.

Financial professionals may help you create a customized portfolio strategy that’s built around your unique goals. Though we can’t control markets, we can help you use them to pursue your long-term financial goals.
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Retirement Budget Worksheet