Late Start Saving? Three Ways to Save More for Your Retirement

retirement planning roseville

Are you concerned you might have gotten a late start on your retirement savings? You’re not alone. Over 60% of Americans feel they are lagging in their retirement savings efforts. The good news? It’s never too late to start saving for your financial future.  In our blog, we’ll look at various ways you can begin […]

How a Financial Compass Can Help Pursue Your Retirement Goals

retirement planning roseville

Think of a financial compass, or roadmap, as part of a comprehensive plan that guides you through various stages of life. This roadmap should identify your current financial circumstances and your long-term financial goals. Having a roadmap is especially important as you near retirement. Why? It should serve as a guide to help you make […]

Aim To Protect Your Retirement Against Inflation

Protecting Your Retirement Against Inflation

Unfortunately, we’re still seeing the impact of record-high inflation in today’s market. As interest rates may not decline as rapidly as anticipated, retirees face the additional challenge of market volatility impacting withdrawals from IRAs, 401(k)s, Roth IRAs, and other brokerage accounts. So, what are some ways to combat this?

The Great Pension Shift: From Guaranteed Gold Watches to DIY Retirement

retirement planning roseville

Remember your grandparents boasting about their “golden parachute” – the generous company pension plan waiting for them at retirement? Today, that picture is fading fast. The remaining recipients are government workers. Corporate America has shifted gears, leaving many wondering: where’s the safety net in this new retirement paradigm? It’s not just you feeling the impact […]

Important Age Milestones of Your Retirement Timeline

There are a handful of financial age milestones that you should be aware of in the reinterment planning process. While some of them are more well-known, others can easily fly under the radar.  Stay tuned as we cover the important birthdays you need to pay attention to from catch-up contributions at age 50 to taking RMDs at age 73.

The Power of Compounding Interest Returns and Your Retirement Plan

wealth management roseville

Albert Einstein once marveled at the power of compounding returns, even calling them the “eighth wonder of the world.” Think of compounding returns like a snowball rolling down a hill. As it gathers speed and momentum, it gets larger with each rotation. This analogy can be very useful, especially when saving for retirement. Over time, […]

The Unique Retirement Landscape For Generation X

If you’re a Gen Xer, born between 1965 and 1980, you might be starting to think about how you are going to transition into retirement. Not only does this shift require you to reimagine what your lifestyle is going to look like, but it’s also critical to have a clear understanding of your financial landscape as you approach this important milestone.

Adjusting Your Retirement Plan for 2024’s Economic Challenges

retirement planning roseville

2024 could be an interesting year for investing retirement assets due to the uncertain market conditions that persistent inflation, earnings fluctuations, and a Presidential election will impact. So, the question is: “Will my current retirement plan protect the value of my assets in a prolonged down market?” This highlights why retirement planning in Roseville will […]

Meet Marcos Lemus: From Tech Enthusiast To Financial Advisor

In today’s episode, we are excited to introduce you to a key member of the Bulman Wealth Group team- Marcos Lemus. Marcos has been with us for about 2 years now and has recently transitioned into a new role as a service advisor. He joins us today to share more about his background, his journey into finance from the education and technology sector, and his passion for problem-solving and life-long learning.

Can You Save Too Much For Retirement?

We spend a lot of time talking about how to save enough for retirement, but is there such a thing as saving too much? Some experts say that retirees will need 70-80% of their pre-retirement income to sustain a comfortable lifestyle, but recent studies show that many retirees are spending significantly less than these benchmarks.