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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.
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...
A Well-Rounded Financial Plan Starts With the Whole Picture
When people think about “financial planning,” they often picture investing—choosing funds, watching the market, or trying to pick the right time to buy. But a truly well-rounded financial plan is bigger than a portfolio. A strong plan examines your total financial...
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The Ghost-Life Rule Explained
By Sarah Brenner, JD Director of Retirement Education The SECURE Act of 2019 changed many rules for inherited IRAs. However, it left intact the rules for non-living (non-person) beneficiaries, such as an estate. For these non-designated beneficiaries (NDBs), the same...
The Pro-Rata Rule and the Still-Working Exception: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I just wanted to verify that a 403(b) plan is not subject to the pro-rata rule when doing a Roth IRA conversion. Can you please let me know if this is correct? Thanks! Lynn ANSWER: Lynn, You are correct. When doing a Roth...
Trump Accounts: Weird Stuff Keeps Happening
By Andy Ives, CFP®, AIF® IRA Analyst From its onset, I have been a fan of the concept of Trump accounts. Created by the One Big Beautiful Bill Act (OBBBA), this new savings vehicle for children is now up and running as of July 4, 2026. At their core, Trump accounts...
Treasury Announces Initial Trump Account Investment Options
By Ian Berger, JD IRA Analyst On July 1, 2026, the Treasury Department announced the investment options for initial Trump account contributions. In the One Big Beautiful Bill Act (OBBBA), Congress imposed strict investment restrictions on Trump account contributions...
The Pro-Rata Rule and Non-U.S. Citizen Beneficiaries: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: If someone has a SIMPLE IRA and is interested in doing a backdoor Roth IRA conversion, does the SIMPLE IRA count under the pro-rata rule? Answer: The pro-rata rule that determines the taxation of a backdoor Roth IRA conversion...
IRS Provides Fix for Trump Account Gift Tax Issue
By Sarah Brenner, JD Director of Retirement Education In just a few days, on July 4, Trump accounts will be available. As we come down to the wire, the IRS has stepped in to provide a safe harbor to address concerns about potential gift tax issues with contributions....
“The Law of the Plan is the Law of the Land”
By Andy Ives, CFP®, AIF® IRA Analyst When it comes to the rules governing specific workplace retirement plans like a 401(k), there are the foundational rules dictated by law, and there are “in-house rules” put into place by the plan itself. Plans can choose to be far...
Required Minimum Distributions and Excess Contributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Can required minimum distributions (RMDs) from 403(b) plans be aggregated and taken from one account? Answer: Yes, it is allowed to aggregate RMDs from multiple 403(b) plans and take the total from one of...
Required Minimum Distributions and Excess Contributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Can required minimum distributions (RMDs) from 403(b) plans be aggregated and taken from one account? Answer: Yes, it is allowed to aggregate RMDs from multiple 403(b) plans and take the total from one of...
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
