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July/August 2026
Mid-Year Retirement Check Up
As summer arrives, it's a good time to review your retirement savings strategy and make adjustments if needed. Here's a look at some important areas to evaluate:
Your Goals
Consider whether your retirement date, health, and expected spending in retirement have changed. You might be willing to accept a lower standard of living to retire sooner. Alternatively, you may plan to travel more in retirement, which could require additional savings or a later retirement. If your goals are flexible, your strategy should adapt accordingly.Your Contributions
How much are you putting away toward retirement? Is the amount sufficient to help you reach your financial goals in retirement? If you are coming up short, contribute a little extra to your retirement plan. In 2026, you may contribute up to $24,500 annually, plus an extra $8,000 if you are at least age 50. And if you contribute to a 401(k) plan, your contributions are tax-deferred.Your Investment Mix
Many near-retirees take a more conservative approach with their investments as they get closer to their target date. You might want to consult a financial professional to ensure your investment strategy aligns with your goals, risk tolerance, and timeline.Your Debt
One effective way to boost your disposable retirement income is to eliminate as much debt as possible before your big day, starting with credit card balances. If you're accustomed to buying a new vehicle every few years, consider keeping it longer after paying it off. The money you save can be used to pay down other debts.Your Retirement Income
How much you save for retirement and how much you can spend are two different things. That's because taxes can significantly impact your disposable income. Downsizing your home or even renting can reduce the real estate taxes you'll pay. If you're open to moving, you might consider states with favorable tax policies on retirement income and Social Security payments. Or, if you qualify by income, think about opening a Roth IRA with tax-free withdrawals in retirement.CONTACT US
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Adan H. Diaz and Bryce McLeish offer products and services using the following business names: FRESCO Financial Advisers – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with FRESCO Financial Advisers. The information you provide us is the basis for the recommendations we make to help you meet your unique financial goals and objectives. If you experience a change in your financial situation or investment objectives, or if you wish to modify or add any restrictions concerning the management of your account, please contact us. Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
FRESCO Financial Advisers and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
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