Our Thoughts

Tom’s 2025 Q1 Economic Update

So far in 2025, U.S. stock indexes are down while bonds and international stocks are up. After a positive 3% return in January, U.S. stocks returned -2% in February, -6%...
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Deciding when to claim Social Security

Social security is an important component of retirement planning for most retirees, even affluent ones. If you have earned income each year over a long career, your projected social security...
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Markets & Mayhem: A History of Geopolitical Crisis and Market Resilience

“Don’t just do something, stand there!” – Jack C. Bogle, founder of Vanguard When markets experience turbulence, as they have for the past several weeks, I’m grateful for my background...
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2024 Contribution Deadlines & Limits

April 15, 2025 is the last day to make your 2024 Contributions The tax filing deadline is quickly approaching, and with it the deadline to make your retirement account contributions...
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Tax Season and our 2024 Tax Letter

Hello and welcome to tax season! Everyone at Together Planning works hard all year helping our clients prepare for taxes, because taxes are more than a once-a-year obligation. They are...
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Tom’s Q4 Economic Update

Learn more about Tom’s take on the last quarter of 2024.
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6 Practical Ways to Generate Income in Retirement

Retirement is a time to enjoy the results of your hard work, but deciding how to turn your savings into steady income can feel challenging. Many retirees experience stress and...
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529 College Savings Plans

Do you have leftover funds in a 529 plan account? Education savings plans are excellent tools for tax-advantaged savings for college. Previously, withdrawals from a 529 plan for any reason...
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2025 Contribution Limits

Last Friday the IRS announced a few increases to retirement plan contribution limits for 2025: For employees who participate in 401(k), 403(b), governmental 457 plans, and the federal government’s Thrift...
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