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Retirement in 2026: 7 Smart Moves to Turn Savings Into a Paycheck (and Sleep Better Doing It)
Retirement planning in 2026 isn’t just about “saving more.” It’s about building a reliable income plan, keeping taxes predictable, and making sure your money is positioned to handle inflation, market swings, and healthcare costs—all while staying aligned with your...
2026 Retirement Planning Goals: A Simple Roadmap to Start the Year Right
Kick off 2026 with clear retirement planning goals. Learn the 6 most important steps to protect your income, reduce taxes, and stay on track. 2026 Retirement Planning Goals: A Simple Roadmap to Start the Year Right A new year is the perfect time to reset...
Why Annuities Can Be a Great Fit Heading Into 2026
As we move into 2026, many investors are asking the same question: How do I protect what I’ve built—without giving up the ability to grow? That’s exactly where annuities can play a meaningful role. Annuities aren’t for everyone, and they’re not “one-size-fits-all,”...
Heading into 2026: A Smart Retirement Checkup (Without the Overwhelm)
As we turn the page into 2026, it’s the perfect time to run a simple “retirement checkup.” Not a stressful deep dive. Just a clear look at a few areas that tend to make the biggest difference—because small adjustments now can help protect your lifestyle later. Whether...
Fixed Indexed Annuities in 2026: A Smarter Way to Balance Growth and Protection in Your Retirement Portfolio
As we move into 2026, many retirees and pre-retirees are asking the same question: “How do I keep my retirement plan growing without exposing everything to the next market swing?” After several years of elevated volatility and changing interest-rate conditions, more...
Retirement Planning in 2026: Why Annuities Deserve a Serious Look
Retirement planning in 2026 looks different than it did even a few years ago. Many retirees and pre-retirees are facing a familiar challenge in a new way: they want growth, but they also want stability. They want income they can count on, but they don’t want to feel...
Safe Money Options Heading Into 2026
A Financial Advisor’s Guide to Protecting What You’ve Worked So Hard to Build When markets are choppy and headlines are loud, many people start asking the same question: “Where can I put my money so it feels safer, but still has a chance to grow?” As we move into...
Retirement Income Planning Going Into 2026: Turning Your Savings Into a Lifetime Paycheck
For most people, retirement isn’t about a specific age or account balance—it’s about confidence.Confidence that the bills will be paid, that you can handle surprises, and that you won’t run out of money before you run out of life. As we approach 2026, retirement...
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...
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Breaking the Barriers to Access Your Retirement Plan Funds While Working
By Ian Berger, JD IRA Analyst The June 15, 2026 Slott Report described the strict barriers employees face when attempting to access their 401(k) and other plan funds while still working. One exception to those barriers is for hardship withdrawals. Plans are not...
Trump Accounts Are Almost Here: What Parents Need to Know
By Sarah Brenner, JD Director of Retirement Education On July 4, contributions to Trump accounts, a new savings vehicle for children, will become available. In these final days before their launch, we have been getting questions from parents about exactly what they...
529 Plan Rollovers and Investments in Trump Accounts: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: Our client has funds left over in her 529 plan. She is not working. Can she roll over the 529 dollars to a Roth IRA? Does she need earned income? Can you do it as a spousal Roth contribution? Thanks, Mary ANSWER: Mary,...
Form 8606 and the Pro-Rata Rule: Not the End of the World
By Andy Ives, CFP®, AIF® IRA Analyst If a person has after-tax (non-deductible) money in any traditional IRA, SEP or SIMPLE IRA, then the pro-rata rule is just something that needs to be dealt with. But pro-rata is not the end-of-days hurdle that many people perceive...
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...
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
