Sequence of Returns Risk: The Hidden Danger That Can Derail Your Retirement in the First Five Years
By John F. Davenport, Esq. | Davenport & Associates, Norwalk, CT | May 7, 2026 The S&P 500 finished 2025 with an 18 percent total return. Then 2026 arrived. Through early April, the index was down roughly 4 percent. The VIX, a widely followed measure of market fear, had already traded as high as 35… View Article
READ MORE
The Right Order to Withdraw From Your Retirement Accounts (Most People Get This Wrong)
By John F. Davenport, Esq. | Davenport & Associates, Norwalk, CT | April 30, 2026 You have spent decades saving for retirement across multiple accounts: a 401(k) or traditional IRA, a Roth IRA, maybe a brokerage account, and eventually Social Security. Now comes the question nobody prepared you for: which retirement accounts do you pull… View Article
READ MORE
By John F. Davenport, Esq. | Davenport & Associates, Norwalk, CT | April 23, 2026 Social Security is not just an individual benefit. For married couples, divorced spouses, and surviving spouses, there is a second layer of income that most people either do not know about or do not fully understand: spousal benefits. A Social… View Article
READ MORE
The New $6,000 Senior Tax Deduction: What Every Retiree Needs to Know
By John F. Davenport, Esq. | Davenport & Associates, Norwalk, CT | April 16, 2026 If you are 65 or older, there is a new senior tax deduction that could save you hundreds of dollars on your federal return, and most retirees do not know it exists yet. The One Big Beautiful Bill Act, signed… View Article
READ MORE
Americans Think They Need $1.46 Million to Retire. Here Is What You Actually Need.
By John F. Davenport, Esq. | Davenport & Associates, Norwalk, CT | April 9th, 2026 Northwestern Mutual just released their 2026 Planning & Progress Study, and the headline number is getting a lot of attention: Americans now believe they need $1.46 million to retire comfortably. That is up more than 15 percent from last year… View Article
READ MORE
Inherited IRA 10-Year Rule in 2026: What Every Beneficiary Must Do to Avoid the 25% Penalty
If you inherited an IRA from a parent, spouse, or loved one after January 1, 2020, the rules changed significantly, and many beneficiaries have no idea. The IRS finalized regulations in 2024 that clarified a critical point: if the original IRA owner had already begun taking Required Minimum Distributions (RMDs) before they died, you as… View Article
READ MORE