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Retirement Planning

Don’t Leave Money Behind: Finding Your Missing 401(k)s

Submitted by JMB Financial Managers on March 11th, 2025

You've worked hard throughout your life to build assets to support your retirement. As financial professionals, one of the most critical functions we provide is helping clients determine their retirement income needs and structuring a withdrawal strategy that works for them.

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How Much Do You Need to Retire Comfortably?

Submitted by JMB Financial Managers on June 19th, 2024

A few years ago, there were ads from financial services companies asking, “What’s your number?” The number was the money you needed to retire comfortably. This was an effective way for financial services companies to get people thinking about retirement planning and encouraging them to strive toward a specific monetary goal.

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INFOGRAPHIC: Annual IRS Limits for Retirement Plans, IRAs, and Other Employee Benefits

Submitted by JMB Financial Managers on April 10th, 2024

As tax season comes to a close, we want to make sure you are aware of this year’s increases in annual IRS limits for retirement plans, IRAs, etc. See the below infographic for a full view of the 2024 increases, with the 2023 numbers for comparison.

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Breaking Down the Parts of Medicare

Submitted by JMB Financial Managers on November 14th, 2023

Medicare is the federal health insurance program for everyone age 65 and older in the United States. Generally, the different parts of Medicare exist to cover specific healthcare services. Most beneficiaries choose to receive their Parts A and B benefits through Original Medicare, the traditional fee-for-service program offered directly through the federal government. It is sometimes called Traditional Medicare or Fee-for-Service (FFS) Medicare. Under Original Medicare, the government pays directly for the health care services you receive. You can see any doctor and hospital that takes Medicare anywhere in the country.

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  • Financial Planning
  • Insurance Basics
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Three Key Questions to Answer Before Taking Social Security

Submitted by JMB Financial Managers on October 9th, 2023

Social Security retirement benefits are often a major source of income for most Americans during retirement, so before you begin taking it, you should consider three important questions:

  • When Should I File for Benefits?
  • Should I Collect and Continue to Work?
  • How Can I Get the Maximum Benefit?

The answers may affect whether or not you make the most of this opportunity.

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Guest Blog: IRS Update from Cetera Financial Group®

Submitted by JMB Financial Managers on August 8th, 2023

IRS Update: Understanding the 10-Year Rule for Inherited IRAs and Qualified Accounts

The Internal Revenue Service (IRS) has provided another update to the rules governing IRAs and qualified accounts. On July 14, 2023, the IRS issued Notice 2023-54 that announced the following:

  • Final Regulations will apply to distributions starting in the calendar year 2024.
  • Missed RMDs from Inherited qualified accounts and IRAs are forgiven and not subject to excise tax if the original owner died after RBD in years 2020, 2021, and 2022 and the beneficiary has 10 years to distribute the qualified account.
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SECURE 2.0 Act: A Synopsis of its Details and Effects

Submitted by JMB Financial Managers on February 24th, 2023

As a CERTIFIED FINANCIAL PLANNER™, I believe that staying informed about new legislation is essential to help my clients pursue their financial goals.

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Infographic: What to Consider When Buying Long-Term Care Insurance

Submitted by JMB Financial Managers on February 27th, 2022

Long-term care insurance is an important part of retirement planning. Choosing the right option is a difficult decision and can affect your family’s financial future. Here are some things to consider:

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  • Insurance Basics
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7 Mistakes to Avoid in Retirement and How Retirement Planning Can Help

Submitted by JMB Financial Managers on December 22nd, 2021

Only 36% of adults think that they are on track to retire. The main barrier to retiring on time is a lack of proper planning and sufficient savings. However, there are 7 common mistakes that people make when they create their retirement plans:

  1. Not accounting for longevity
  2. Not accounting for taxes
  3. Not staying in shape
  4. Not adjusting your investments for age
  5. Not accounting for market ups and downs
  6. Not having a spending plan
  7. Not accounting for poor health

We will go into each of these common mistakes in more detail to help you understand how to avoid them in your own retirement planning.

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Happy 401(k) Day!

Submitted by JMB Financial Managers on September 2nd, 2021

It's 401(k) Day, and there is no better time to check in on your retirement fitness. 

In the spirit of that, JMB Financial Managers has put together our five most useful tips for ensuring your investments are on course. Keep reading to learn more.

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by a third party author to provide information on a topic that may be of interest. The third party author is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

This site is published for residents of the United States only. Financial Advisors of Cetera Advisors LLC, may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Advisors LLC site at www.ceteraadvisors.com.

Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and Registered Investment Adviser. Cetera is under separate ownership from any other named entity.Additional advisory services offered through JMB Financial Managers, a registered investment adviser.

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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