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“Third-Party Posts”
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Pacific Group Advisors, deems reliable but in no way does Pacific Group Advisors guarantee its accuracy or completeness. Pacific Group Advisors had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Pacific Group Advisors. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Pacific Group Advisors, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
Retirement Vs. Resignation: Which Is Better?
Retirement Vs. Resignation: Which Is Better? There is a big difference between retirement and resignation. However, both involve leaving your place of work. If you choose to retire, you may be entitled to some social benefits such as pension and healthcare, which can...
6 End-of-Year Retirement Deadlines You Shouldn’t Miss for 2024
Navigate these tax and retirement milestones to optimize savings and avoid penalties. Staying on top of year-end tasks helps you avoid penalties and take full advantage of tax benefits. Key Takeaways Contributions to retirement accounts like 401(k)s must be made by...
Three Changes Coming for Social Security in 2025
The Social Security Administration has announced the 2025 final COLA, wage cap, and amount needed to earn SS credits. Anticipating changes coming to Social Security in 2025 can help you start planning for the new year and identify any adjustments you can make to...
7 Things You’ll Be Happy You Downgraded in Retirement
Downsizing for retirement is a good way to simplify your life and cut down on expenses. Making some key changes, like moving into a smaller home, could reduce financial strain and improve your quality of life. It could also give you room to grow in new, unexpected...
Why Your Current Retirement Plan May Not Be Enough in 2025
Retirement: the wonderful time of life when you no longer have to work for your money. Instead, your money is finally working for you. If you’re well on your way to retirement, kudos to you. Today, more Americans are retiring than ever before. According to...
Key change coming for 401(k) ‘max savers’ in 2025, expert says — here’s what you need to know
Key Points Many Americans face a retirement savings shortfall, but setting aside more could get easier for some older workers in 2025. Enacted in 2022, the Secure Act 2.0 ushered in several retirement system improvements, including higher 401(k) plan catch-up...
What the Fed’s Rate Cut Means for You
The Federal Reserve just reduced interest rates for the first time in four years. Here’s how it will impact borrowers and saver What goes up must come down, and after four years, that’s finally true about interest rates. The Federal Reserve cut its benchmark rate on...
Social Security COLA 2025: How Much Will Payments Increase Next Year?
With inflation cooling, analysts estimate benefit boost could come in around 2.5% The second of three numbers the Social Security Administration (SSA) will use to determine the 2025 cost-of-living adjustment (COLA) is in, and it points to a more modest increase in...
Social Security COLA 2025: How Much Will Payments Increase Next Year?
With inflation cooling, analysts estimate benefit boost could come in around 2.5% The second of three numbers the Social Security Administration (SSA) will use to determine the 2025 cost-of-living adjustment (COLA) is in, and it points to a more modest increase in...
Weekly Market Commentary
-Darren Leavitt, CFA The holiday-shortened week saw the S&P 500 and Dow rise to new all-time highs. Investors cheered the nomination of Scott Bessent as Treasury Secretary, who is seen as a fiscal hawk and someone who will support Trump’s trade policies. US...
Weekly Market Commentary
-Darren Leavitt, CFA Markets bounced back as investors reengaged the pro-growth Trump 2.0 trade. President-elect Trump continued to fill out his cabinet and, late Friday announced Scott Bessent as his nominee for Treasury Secretary. Wall Street has endorsed Bessent,...
Weekly Market Commentary
-Darren Leavitt, CFA US equity markets pulled back last week as investors took profits from the outsized move higher seen following the US election. Sticky inflation prints, coupled with solid retail sales and hawkish comments from Federal Reserve Chairman J. Powell,...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 notched its 50th all-time high of 2024 as investors piled into equities after a decisive US election. Wall Street embraced the idea that President-Elect Trump would enact several pro-growth policies to bolster corporate profits. ...
Weekly Market Commentary
-Darren Leavitt, CFA It was a very busy week on Wall Street as investors analyzed a deluge of corporate earnings reports and a full economic data calendar. The S&P 500 traded lower for the second consecutive week and could not close out October with a gain,...
Weekly Market Commentary
-Darren Leavitt, CFA Global markets pulled back last week as investors took the opportunity to reduce some risk before a very close US Presidential election. In the US, nearly 20% of the S&P 500 reported earnings. Generally, results came in better than expected;...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 advanced for the sixth consecutive week, closing at a new record high. This week, a broadening out of the market’s rally was evident, with small caps and the equally weighted S&P 500 index outperforming. Markets also appear to...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 and Dow Jones Industrial Average forged another set of all-time highs despite facing several macro headwinds. Chinese markets reopened after celebrating Golden Week with significant losses. Investors were expecting an announcement...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 closed higher for a fourth consecutive quarter, the first time it has done so since 2011. Investors continued to face a challenging macro environment. Escalating tensions in the Middle East, a Longshoremen’s strike, the aftermath...
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Taking Tax-Free Distributions from Your HSA
By Sarah Brenner, JD Director of Retirement Education Health Savings Accounts (HSAs) may be one of the biggest tax breaks currently available. If you have a qualifying high-deductible health plan, you may make a deductible contribution to an HSA. There are no income...
Self-Certification After 60 Days: 12 Reasons
First RMD Year and Roth IRA 5-Year Period: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Our client is 75 years old. He just retired on January 1, 2025. The company has recognized his retirement date as being January 1, 2025. When must he take his first required minimum distribution (RMD)? Rick Answer: Hi...
How the Compensation Limit Affects Retirement Plan Benefits
By Ian Berger, JD IRA Analyst Many retirement plans base employer contributions on employee compensation. For many years, Congress has limited the compensation that can be taken into account for those contributions. Fortunately, this dollar limit only applies...
New Reporting for 2025 QCDs
By Sarah Brenner, JD Director of Retirement Education The IRS has introduced a new code for the reporting of qualified charitable distributions (QCDs) by IRA custodians on Form 1099-R. How QCDs Work QCDs first became available in 2006, and they were made permanent in...
Roth Conversions and 401(k) Distributions: This Week’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Since I retired in 2020, each year I have been converting amounts from my employer plan to my Roth IRA. I will be age 73 in 2026. Can I take my required minimum distribution (RMD) amount and convert that...
Check Both Boxes for Tax-Free Roth IRA Earnings
By Andy Ives, CFP®, AIF® IRA Analyst Roth IRAs follow strict distribution ordering rules. Contributions come out first, then converted dollars, and then earnings. It does not matter how many Roth IRAs a person has, or if the accounts are held at multiple custodians....
How Plan After-Tax Contributions Are Taxed When Converted
By Ian Berger, JD IRA Analyst The April 23, 2025, Slott Report article, “After-Tax 401(k) Contributions Shouldn’t Be an Afterthought,” discusses how 401(k) after-tax contributions can be moved into Roth accounts through in-plan Roth conversions, the “mega...
Basis In Your Traditional IRA
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: My wife and I created a Roth IRA when our two children were young to pay for their college education. Our daughter is finishing her second year of school, and our son will be entering college this fall. We have withdrawn...
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Pacific Group Advisors, deems reliable but in no way does Pacific Group Advisors guarantee its accuracy or completeness. Pacific Group Advisors had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Pacific Group Advisors. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Pacific Group Advisors, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
Watchdog Estimates $7.5 Billion Medicare Advantage Overpayment from “Questionable” Health Risk Assessments
When the Centers for Medicare & Medicaid Services (CMS) pays Medicare Advantage (MA) organizations, they increase the payments when plans enroll sicker people. This is called risk adjustment, and it is an important guardrail to ensure that all people with Medicare...
read more
Unpacking the changes to Medicare in 2025
Medicare coverage is personal — and changes to those plans and benefits may feel unnerving as it affects one’s overall health and well-being. Originally passed in 2022, the Inflation Reduction Act brought about many changes to Medicare that are now being implemented...
read more
What If My Medicare Doctor “Opts Out”?
Finding a doctor you like and trust can be a long process, so I understand that it can be frustrating when your doctor no longer accepts Medicare. If your doctor has “opted out” of Medicare, this means that he or she no longer accepts Medicare assignment...
read more
Home health care through Medicare
It’s important to plan for your health care needs, but sometimes life throws unexpected curve balls. And when that happens, you’ll need to know what’s covered. Fortunately, there are ways you and your loved ones can get the necessary care at home. Here’s what you need...
read more
Correcting the Record: The Facts on Medicare Advantage Payment and Accountability
The Wall Street Journal recently published a story regarding diagnoses and plan payments in Medicare Advantage. The story was fundamentally flawed and overlooked the value of Medicare Advantage for millions of American seniors. Here are the facts: More than 33 million...
read more
New bipartisan survey reveals a supermajority of seniors oppose reducing funding to Medicare Advantage — and will factor that into their vote in November
Today, more Americans than ever are choosing Medicare Advantage for affordable, quality health care — with over 33 million seniors and people with disabilities enrolled in the program. BMA wanted to learn more about seniors’ views on Medicare Advantage and how...
read more
How Medicare Advantage In-Home Health Assessments Keep Seniors Healthier
How Medicare Advantage In-Home Health Assessments Keep Seniors Healthier Today, Medicare Advantage delivers affordable, high-quality care to more than 33 million seniors and people with disabilities, with better health outcomes than Fee-for-Service Medicare (FFS). One...
read more
Will My Specialist’s Services be Covered under My Medicare Plan?
Whether you’re switching from one type of Medicare coverage to another, or you’re new to Medicare, you might be concerned about being able to continue seeing your health-care specialist. Will your specialist’s services be covered by Medicare? That may depend upon:...
read more
7 Medicare Changes You’ll See in 2025
Expensive medications? You’ll save thousands. Dementia or mental health care? More options Key takeaways Changes from Inflation Reduction Act will take effect next year. Lower out-of-pocket limit in Part D drug plans erases old “donut hole.” You may find weight loss...
read more
Watchdog Estimates $7.5 Billion Medicare Advantage Overpayment from “Questionable” Health Risk Assessments
When the Centers for Medicare & Medicaid Services (CMS) pays Medicare Advantage (MA) organizations, they increase the payments when plans enroll sicker people. This is called risk adjustment, and it is an important guardrail to ensure that all people with Medicare...
Unpacking the changes to Medicare in 2025
Medicare coverage is personal — and changes to those plans and benefits may feel unnerving as it affects one’s overall health and well-being. Originally passed in 2022, the Inflation Reduction Act brought about many changes to Medicare that are now being implemented...
What If My Medicare Doctor “Opts Out”?
Finding a doctor you like and trust can be a long process, so I understand that it can be frustrating when your doctor no longer accepts Medicare. If your doctor has “opted out” of Medicare, this means that he or she no longer accepts Medicare assignment...
Home health care through Medicare
It’s important to plan for your health care needs, but sometimes life throws unexpected curve balls. And when that happens, you’ll need to know what’s covered. Fortunately, there are ways you and your loved ones can get the necessary care at home. Here’s what you need...
Correcting the Record: The Facts on Medicare Advantage Payment and Accountability
The Wall Street Journal recently published a story regarding diagnoses and plan payments in Medicare Advantage. The story was fundamentally flawed and overlooked the value of Medicare Advantage for millions of American seniors. Here are the facts: More than 33 million...
New bipartisan survey reveals a supermajority of seniors oppose reducing funding to Medicare Advantage — and will factor that into their vote in November
Today, more Americans than ever are choosing Medicare Advantage for affordable, quality health care — with over 33 million seniors and people with disabilities enrolled in the program. BMA wanted to learn more about seniors’ views on Medicare Advantage and how...
How Medicare Advantage In-Home Health Assessments Keep Seniors Healthier
How Medicare Advantage In-Home Health Assessments Keep Seniors Healthier Today, Medicare Advantage delivers affordable, high-quality care to more than 33 million seniors and people with disabilities, with better health outcomes than Fee-for-Service Medicare (FFS). One...
Will My Specialist’s Services be Covered under My Medicare Plan?
Whether you’re switching from one type of Medicare coverage to another, or you’re new to Medicare, you might be concerned about being able to continue seeing your health-care specialist. Will your specialist’s services be covered by Medicare? That may depend upon:...
7 Medicare Changes You’ll See in 2025
Expensive medications? You’ll save thousands. Dementia or mental health care? More options Key takeaways Changes from Inflation Reduction Act will take effect next year. Lower out-of-pocket limit in Part D drug plans erases old “donut hole.” You may find weight loss...
Regular Review
Your life will change. And your plan must change with it. At our regular plan reviews we check for progress, realign to new information, and address any information that is out of date. Our support team is here for you to get you the answers you need when you need them. Regular plan reviews are just another part of doing it the right way.
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340 5th Ave S,
Kirkland, WA 98033
Office: 206-356-5682
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