J. Davenport Advisors Archives | Davenport & Associates

Happy mature couple reviewing RMD rules and retirement withdrawal plan on tablet at home

What Are Required Minimum Distributions (RMDs) in 2026? Simple Rules & Strategies

Required Minimum Distributions (RMDs) are the amounts the government says you must withdraw each year from traditional IRAs, 401(k)s, and similar accounts once you reach a certain age. In simple terms: Uncle Sam gave you a tax break when you saved — now they want their share back. As John F. Davenport, licensed attorney in… View Article

Happy mature couple reviewing probate avoidance options and trust documents at home table

What Is Probate in 2026 and How Can I Avoid It? (Simple U.S. Guide)

Probate sounds scary — and for many families, it is. It’s the court process that happens after someone dies to validate their will, pay debts, and distribute assets. In 2026, probate can take 6 months to 2+ years, cost 3–7% of the estate in fees (sometimes more), and become public record — meaning anyone can… View Article

Happy mature couple reviewing Roth conversion options and tax brackets on tablet at home

Roth Conversions Explained Simply in 2026: Rules, Tax Brackets & Legacy Tips

Roth conversions are one of the most powerful — and often confusing — tools for couples 50+ planning retirement. In simple terms: you pay taxes now on traditional IRA/401(k) money so your future withdrawals (and your heirs’) can be tax-free. With 2026 Roth catch-up rules and permanent higher estate exemptions, many families are asking: “Is… View Article

Happy mature couple reviewing will and trust documents together at home table

Why You Need a Will in 2026 – Even If You Have a Trust

Many people approaching retirement in Norwalk, CT and across the country ask: “If I already have a revocable living trust, do I still need a will?” The short answer is yes — and here’s why it’s one of the most important (and often overlooked) pieces of your estate plan. As John F. Davenport, licensed attorney… View Article

Older parents and adult child discussing retirement surprises and emergency fund on laptop in cozy living room

Emergency Fund for Retirees in 2026: How to Build a Buffer for Life’s Surprises

Retirement should feel calm and secure, but life has a way of throwing curveballs—home repairs, medical surprises, car breakdowns, or family needs. Recent 2026 studies show retirees face unexpected expenses averaging $6,000–$10,000 per year, and 40% of households don’t have enough liquid cash to cover even one big hit without dipping into investments at the… View Article

Multi-generational family discussing estate planning legacy inspired by U.S. presidents at home table

Presidents’ Day 2026: Estate Planning Lessons from U.S. Presidents’ Legacies

Presidents’ Day celebrates leadership and legacy—perfect timing to reflect on how America’s presidents planned (or didn’t) for their families’ futures. As John F. Davenport, licensed attorney in New York and Connecticut and founder of J. Davenport Advisors and Davenport & Associates in Norwalk, CT, often shares: thoughtful estate planning isn’t just legal paperwork—it’s leadership in… View Article

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