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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.
Why Financial and Insurance Planning Should Work Together
When people think about financial planning, they often focus on investments, retirement accounts, and growing wealth. When they think about insurance, they usually think about protecting their home, health, or family. The truth is, these two areas should never be...
Understanding Annuities: Turning Retirement Savings Into Reliable Income
Planning for retirement has changed dramatically over the past few decades. In the past, many retirees relied on pensions and Social Security to provide dependable income throughout retirement. Today, pensions have largely disappeared, leaving many retirees...
The Retirement Wildcard: How Healthcare Costs Can Impact Your Financial Future
When most people think about retirement planning, they focus on the obvious questions: Will my savings last? How much income will I need? When should I take Social Security? But there’s one major expense that often catches retirees off guard. Healthcare. In fact,...
The Retirement Wildcard: How Healthcare Costs Can Impact Your Financial Future
When most people think about retirement planning, they focus on the obvious questions: Will my savings last? How much income will I need? When should I take Social Security? But there’s one major expense that often catches retirees off guard. Healthcare. In fact,...
The Retirement Income Plan Most People Think They Have — But Don’t
Retirement isn’t about how much you’ve saved. It’s about how you turn your savings into income you can rely on — for 20, 30, or even 40 years. Most people believe their 401(k), IRA, or brokerage account is their retirement plan.But an investment account is not an...
Personalized Retirement Strategy: A Plan Built Around You
Retirement isn’t one-size-fits-all. Two people can retire the same year with the same savings and still need completely different strategies—because income needs, taxes, risk tolerance, health care costs, and family priorities are never identical. A personalized...
Annuities: Why They Can Be a Smart Addition to Your Portfolio
When you think about building a strong retirement plan, most people focus on a mix of stocks, bonds, and cash. But for many retirees and pre-retirees, there’s another tool that can add stability, predictability, and confidence: annuities. Annuities aren’t...
2026 Retirement Income Planning: A Practical Guide to Turning Savings Into Paychecks
Retirement planning changes once the paychecks stop. In your working years, the goal is usually growth. In retirement, the goal becomes reliable income, tax efficiency, and protecting your lifestyle—all while navigating market ups and downs. If you’re retired (or...
Long-Term Care Planning in 2026: The “Quiet” Risk That Can Reshape a Retirement Plan
When most people think about retirement planning, they focus on the big three: income, taxes, and investments. But there’s a fourth category that can quietly undo even a strong plan if it’s ignored: Long-Term Care (LTC) — the cost of ongoing help when someone needs...
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Accessing 401(k) Funds While You’re Still Working
By Ian Berger, JD IRA Analyst If you are faced with expenses that require you to tap into your savings, what are your options? You should always look to non-retirement savings first. Dipping into retirement funds could cause you to lose out on future tax-deferred (or...
Children vs. Grandchildren Beneficiaries and the First Required Minimum Distribution Year: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Are the rules for a grandchild who inherits an IRA the same as the rules for a child who inherits? Thank you, Steven Answer: Hi Steven, No, the rules are very different. An IRA owner’s child who is under age 21 when the owner...
3 IRA Tax Breaks for Same-Sex Couples
By Sarah Brenner, JD Director of Retirement Education June is PRIDE Month. June also marks the anniversary of the landmark Supreme Court case Obergefell v. Hodges, which legalized same-sex marriage. When it comes to IRA rules, spouses have many advantages, and couples...
Roth IRA Conversions Do Not Count for Roth IRA Contribution Eligibility
By Andy Ives, CFP®, AIF® IRA Analyst If a person wants to make a Roth IRA contribution, there are two primary hurdles to get over. First, a person must have taxable compensation to make the contribution. Items like W-2 wages, commissions, professional fees or bonuses...
The Once-Per-Year IRA Rollover Rule and 529-to-Roth Transfers: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hello, Last December 15, I withdrew $10,000 from my traditional IRA. Thirty days later, I deposited $4,000 in a Roth IRA and $6,000 in a different traditional IRA. Can I treat the $4,000 Roth IRA...
What in the World is Modified Adjusted Income (MAGI), and Why Does It Matter?
By Ian Berger, JD IRA Analyst Some of you may have come across the term “modified adjusted gross income” (MAGI) and figured it has something to do with “adjusted gross income” (AGI). But, unless you’re a tax geek, that may be all you know. That’s a shame...
Five Things to Know about the Five-Year Rule on Converted Roth Funds
By Sarah Brenner, JD Director of Retirement Education If you are under age 59½ and you converted your traditional IRA to a Roth IRA, you will need to watch out for the five-year rule for penalty-free distributions of converted funds. Not understanding how the rule...
Combining Retirement Accounts and Roth Conversions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: I have a new client who has an old SEP IRA as well as a traditional IRA with funds that were rolled over from his 401(k) plan. Can we combine these two accounts? Answer: Yes. These accounts can be...
529-to-Roth: Still No News on 15-Year Clock
asfaf sfgsf By Andy Ives, CFP®, AIF® IRA Analyst It’s been nearly 3½ years, and still no news. No guidance. No updates. Background: In December 2022, the SECURE 2.0 Act was signed into law. That legislation contained an extensively discussed provision – allowing...
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
