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Estate Planning & You: Getting Ready for 2026 (Without Freaking Out)
state planning sounds like something for billionaires in marble mansions… not for regular people with a mortgage, a 401(k), a dog, and a favorite taco spot. But here’s the truth:If you love someone or own something, you need some kind of estate plan. As we head toward...
Retirement Planning in 2026: How to Prepare for a New Era of Retirement
If you feel like retirement has gotten more complicated, you’re not imagining things. Between market volatility, rising costs, new tax rules, and longer life expectancies, “set it and forget it” retirement planning just doesn’t work anymore. The good news? With a...
Retirement Planning in 2026: A Practical Playbook (and How Annuities Can Help)
TL;DR: Going into 2026, retirees face two big realities: markets that still swing and a shifting tax landscape. Focus on dependable income, flexible tax buckets, and a plan for withdrawals/RMDs. Annuities—used correctly—can add durability to a retirement paycheck...
Retirement Planning Heading Into 2026: 7 Smart Moves For Clients Right Now
As 2025 winds down, retirement planning is shifting under three big spotlights: taxes in 2026, retirement plan rule updates, and Medicare drug-cost changes. Here’s a practical, client-friendly guide you can publish — plus talking points to spark action before...
Annuities 101: Why They’re (Sometimes) a Great Idea for Retirement
Quick Take Annuities are insurance contracts that can turn a portion of your savings into guaranteed income you can’t outlive. For the right person, they lower stress, steady cash flow, and reduce the chances of running out of money—especially when markets are jumpy....
Retirement Income Planning: A Practical Guide for Turning Savings Into a Sustainable Paycheck
Key Takeaways (TL;DR) Retirement success is less about “the number” and more about cash-flow durability, tax efficiency, and risk control. A resilient plan blends guaranteed income (Social Security, pensions, annuity floors) with market growth and cash reserves. Smart...
Integrating Life Insurance & Fixed Indexed Annuities: A Smarter Way to Protect, Grow, and Distribute Retirement Wealth
Big idea: Life insurance and fixed indexed annuities (FIAs) aren’t either/or. Used together, they can help protect income, manage taxes, and transfer wealth more efficiently—especially in volatile markets. Why these two tools belong in the same conversation Most...
Why Fixed Indexed Annuities Are a Smart Choice for Retirement Planning
When planning for retirement, one of the greatest challenges is balancing growth potential with protection of principal. Many investors seek opportunities that allow for upside potential without exposing their hard-earned savings to the full risk of market volatility....
How much can you spend without running out of money? The 4% rule is a popular rule of thumb, but you can do better. Here are guidelines for finding your personalized spending rate. You've worked hard to save for retirement, and now you're ready to turn your savings...
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The Tricky Still-Working Exception – After Death
By Andy Ives, CFP®, AIF® IRA Analyst For those who have 401(k)s or other retirement plans, the required beginning date (RBD) when required minimum distributions (RMDs) are officially “turned on” is April 1 of the year after the year a person turns age 73. This...
The 5-Year Clock and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: A husband owned a Roth IRA which had been in existence for at least 5 years. He died in January of 2025. His wife was his primary beneficiary. The wife opened a Roth IRA in late January 2025 to receive the distribution...
When Can I Take an In-Service Withdrawal from My 401(k)?
By Ian Berger, JD IRA Analyst With continuing economic uncertainty, it’s not surprising that the number of employees who need to dip into their 401(k) and other company plan funds is on the rise. Congress originally set strict limits on the ability of employees...
5 Times When You Should Not Name Your Spouse as Beneficiary
By Sarah Brenner, JD Director of Retirement Education While naming a spouse directly as the IRA beneficiary has many advantages and is a popular choice, it is not always the correct planning strategy. In some cases, another beneficiary may be better such as...
Penalty-Free Withdrawals of Roth Conversions and the First RMD Year: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Greetings, In 2025, I converted a traditional IRA to an existing Roth IRA, which I have held for 20 years. I will turn age 60 in 2026. Can I withdraw the converted money from my Roth IRA penalty free? Or do I have to wait five...
IRAs and 401(k) Plans: Different Rules, Different Worlds
By Andy Ives, CFP®, AIF® IRA Analyst At their core, IRAs and 401(k) plans operate in a similar fashion. Contributed dollars avoid taxation until they are withdrawn at some point in the future. Also, Roth is available in both IRA and 401(k) form. Roth dollars grow...
8 Questions Answered About the New Mandatory Roth Catch-Up Rule
By Ian Berger, JD IRA Analyst Many employers with company plans, and their recordkeepers, are scrambling to be ready for the soon-to-be-effective SECURE 2.0 rule requiring high-paid employees to make plan catch-ups contributions to Roth accounts. Here are 8...
Eligible Designated Beneficiaries and Inherited Roth IRAs: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: We have a 16-year-old minor inheriting an IRA from her 40-year-old father. Is it true that the child will have to take required minimum distributions (RMDs) each year until age 21? Then, at age 21...
New Code Y is Optional for 2025 QCDs
By Sarah Brenner, JD Director of Retirement Education A few months ago, the IRS introduced a new Code Y for the reporting of qualified charitable distributions (QCDs) by IRA custodians on the 2025 Form 1099-R. The IRS has now issued guidance on its website...
Hynes Advisory Group, LLC Location
St. Louis, Missouri
9920 Watson Road, Suite 107
St. Louis, MO 63126
Office: (314) 858-1335
Robert Hynes Cell: 314-623-2233
rhynes@robertehynes.com
Tim Brennan Cell: 636-299-7061
tim@robertehynes.com
