Jeff Witz, CFP

"Another benefit of owning an HSA is that you may keep your HSA open and continue to enjoy tax-free growth and tax-free withdrawals even if you are no longer eligible to make contributions," writes Jeff Witz, CFP.

"When you plan to retire determines how long you must save for and how long investment returns can compound," writes Jeff Witz, CFP.

"Unfortunately, there is no 'one size fits all' answer to when you should start receiving Social Security benefits," writes Jeff Witz, CFP.

"The significant changes in these areas may require you to adjust how much you contribute to certain accounts and how you may approach your budget and tax strategies," writes Jeff Witz, CFP.

"Giving to charity can be a very powerful tax-savings tool. Check if you have any appreciated investment assets you could donate instead of cash," writes Jeff Witz, CFP.

"The way in which real property is titled will affect how it is transferred during the administration of an estate after death," says Jeff Witz, CFP.

"Trusts are a powerful estate planning tool designed to safeguard your children in the event of your premature death," writes Jeff Witz, CFP.

Irrevocable life insurance trusts can be used to pay all or a portion of estate taxes.

Identifying your specific needs is a good starting point.

Being patient and showing discipline are key behaviors.

Your projected retirement tax bracket may help guide selection.

Diversification is key to mitigate impact of rising rates.

Which option you select depends on your goals and what you want to cover.

Having a year-to-year strategy helps you achieve short- and long-term goals.

"The maximum simplified employee pension plan individual retirement account contribution was increased from $58,000 to $61,000, with maximum countable compensation increased to $305,000," writes Jeff Witz, CFP.

Loan repayment assistance programs and refinancing are options.

Be sure to replenish your emergency fund if necessary.

Inflation within healthy ranges can be advantageous for consumers.

A list of potential estate planning mistakes you can help avoid with professional guidance.

Cryptocurrency, nonfungible tokens, and marijuana stocks: Should you add alternative investments to your portfolio?

Sticking to your investment strategy can help avoid emotion-driven decisions.

CME reimbursement amount and 401(k)/401(b) are among elements to consider.

Among the changes are increases in phase-out ranges for traditional and Roth IRAs.

529 plans and trusts help save and manage money destined for your children.

Now is the time to assess your emergency fund and update beneficiaries.

Reports on indexes and averages can help benchmark stock performance.

Legislation sets 10-year withdrawal window for nonspouse beneficiaries.

Converting funds to Roth dollars is among the most effective strategies.

Withdrawals from pretax retirement accounts are among the ways to bridge your income, according to Jeff Witz, CFP.

"[A study by Harry Markowitz] found that more than 90% of your long-term investment success is determined by asset class selection," writes Jeff Witz, CFP.