Schedule a Meeting With Hynes Advisory Group or Call 314-858-1335
“Third-Party Posts”
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Hynes Advisory Group, LLC, deems reliable but in no way does Umbrella Insurance Policies guarantee its accuracy or completeness. Hynes Advisory Group, LLC had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Hynes Advisory Group, LLC. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Hynes Advisory Group, LLC, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
Has Your Financial Plan Kept Up With Your Life? A Fall Checkup Before Year-End
Life rarely changes all at once. A new job brings a different benefits package. A growing family adds responsibilities. Retirement moves a little closer. Everyday expenses gradually take up more of the budget. Individually, these changes may seem manageable. Together,...
7 Year-End Financial Moves to Consider Before December 31 As the year begins to wind down, your financial plan deserves a year-end review too. The final few months of the year can be an important time to evaluate retirement accounts, taxes, insurance coverage, income...
You’ve Worked Hard to Build Your Future. Is Your Financial Plan Keeping Up?
A new home. A growing family. A career change. Retirement getting closer. Life rarely stays the same for long. Yet financial plans and insurance policies can sit untouched for years—even as the people and priorities they were designed to support change. You may be...
Could Your Retirement Plan Handle a Change of Plans?
You may have a clear picture of retirement: more time with family, a few trips you have been putting off, and the freedom to spend your days doing what matters most. But a retirement plan also needs room for the things you cannot schedule. An unexpected home repair. A...
The Four Risks That Can Quietly Undermine Your Retirement Plan
Retirement planning is about more than reaching a particular savings goal. Even a substantial portfolio can face pressure from risks that are easy to underestimate—including market volatility, inflation, rising healthcare costs, and the possibility of living longer...
Tax-Efficient Retirement Planning: It’s Not Just What You Save—It’s What You Keep
Saving for retirement is one of the most important financial commitments you can make. But building a sizable retirement account is only part of the equation. The amount you are ultimately able to spend may also depend on how—and when—your retirement income is taxed....
The Retirement Expense Many Families Forget to Plan For
Why Long-Term Care Deserves a Place in Your Financial Strategy Most people spend years preparing for retirement. They estimate how much income they may need, decide when to claim Social Security, review their investments, and think about Medicare. Yet one potentially...
Your Retirement Plan May Look Complete—But Is It Truly Connected?
Most people do not build their retirement strategy all at once. They accumulate different financial products and accounts throughout their lives. A 401(k) may come from a former employer. An IRA may be held somewhere else. Life insurance might have been purchased...
The Human Advantage: Why Financial Advice Matters More in the Age of AI
Artificial intelligence is changing nearly every industry, and financial services are no exception. Today, consumers have access to sophisticated calculators, retirement projections, investment research, budgeting applications, and AI-powered tools that can provide...
Ed Slott’s Elite IRA Advisor Group (Ed Slott Group) is a membership organization owned by Ed Slott and Company, LLC. Logos and/or trademarks are property of their respective owners and no endorsement of (Hynes Advisory Group, LLC) is stated or implied. Ed Slott Group and Ed Slott and Company, LLC are not affiliated with Hynes Advisory Group, LLC.
For the detailed requirements of Ed Slott’s Elite IRA Advisor Group, please visit: https://www.irahelp.com/
Inherited IRAs and Roth IRA Portability: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education QUESTION: Are there any penalties/consequences/tax issues if I move money from a Roth IRA to start a new Roth IRA at another company? Thanks, Ramona ANSWER: Hi Ramona, Roth IRA funds are portable. There are no...
Can I “Borrow” From My IRA?
By Sarah Brenner, JD Director of Retirement Education With the cost of food, energy, healthcare and other basics on the rise, many Americans are facing a cash crunch. For some, their IRA is their largest asset. Therefore, it is not surprising that they may be looking...
72(t) On a Roth IRA?
By Andy Ives, CFP®, AIF® IRA Analyst The 72(t) rules (“series of substantially equal periodic payments”) allow a person to tap retirement dollars before age 59½ without a 10% early distribution penalty. However, to gain early access to the funds, the IRA owner must...
Qualified Charitable Distributions and the 10-Year Rule: Today’s Slott Report Mailbag
Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I did a qualified charitable distribution (QCD) in early January of 2026 to cover a portion of my required minimum distribution (RMD), then took the rest of the RMD before I processed a Roth conversion. Am I now allowed to...
How the Once-Per-Year Rollover Rule Works and How to Avoid It
By Ian Berger, JD IRA Analyst One of the mantras we have here at Ed Slott & Company is: “Don’t do 60-day rollovers. Do direct transfers instead.” The reason? 60-day rollovers between IRAs are subject to several rules that have serious tax consequences if not...
Three IRA Transactions You Must Do by October 15
By Sarah Brenner, JD Director of Retirement Education Fall is in full swing and October is almost upon us. That means that an important IRA deadline looms just ahead. Here are three transactions you must get done by October 15, 2026. 1. Make a SEP IRA contribution for...
Do Inherited Roth IRA Beneficiaries Have RMDs?: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst QUESTION: I really enjoy reading the Slott Report articles, but I’m confused about the inherited Roth IRA required minimum distributions (RMD) explanations. My understanding was Roth IRAs do not have RMDs even when inherited. Am I...
NUA: Average Cost Basis vs. Specific Identification
By Andy Ives, CFP®, AIF® IRA Analyst For those workplace retirement plan participants fortunate enough to own highly appreciated company stock in their plan – like a 401(k) or ESOP – the net unrealized appreciation (NUA) strategy may be available. NUA allows a person...
Do We Use the Life Expectancy of the IRA Owner, or the Beneficiary to Calculate RMDs?: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education QUESTION: I understand that the SECURE Act 10-year payout rule applies to certain beneficiaries. I also understand that, if the IRA owner died after his required beginning date (RBD), annual required minimum...
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
