“Third-Party Posts”
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Foundations Investment Advisors, LLC (“Foundations”), deems reliable but in no way does Foundations guarantee its accuracy or completeness. Foundations 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 Foundations. 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 Foundations, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
Important Tasks & Decisions for Each Phase of Retirement Planning
Important Tasks & Decisions for Each Phase of Retirement Planning Retirement. It tends to be a catch-all word that generally refers to the light at the end of the tunnel after years of hard work. It’s a time to enjoy the things in life that matter the most, like...
Retirement Challenges in 2025: Market Volatility, Inflation and Social Security
Inflation, uncertain markets and a limited Social Security COLA are among the financial hurdles for retirees in 2025. Key Takeaways High interest rates may complicate investment decisions for retirees. Social Security recipients are getting a 2.5% raise, which may lag...
3 Social Security Changes Retirees Need to Know About in 2025
Key Points A modest cost-of-living adjustment (COLA) will make benefit checks bigger. Note that higher earners will pay a bit more in Social Security taxes. Retirees still earning income may have some of their benefits temporarily withheld. The $22,924 Social Security...
If you’re nearing retirement, these 2025 changes could affect your finances. Here’s what to know
Key Points If you’re nearing retirement, key changes for 2025 could affect your finances, according to advisors. Starting in 2025, there’s a higher 401(k) plan catch-up contribution for workers ages 60 to 63. Plus, there are new rules for inherited individual...
A Checklist for Retiring in 2025
Our checklist for retiring next year includes everything you need to do before the retirement party. Only you can know if you're ready for a checklist for retiring in 2025. If you’re 60 or getting there, retirement is no longer a hazy concept in the distance. It’s a...
Social Security’s full retirement age is increasing in 2025. Here’s what to know.
Most Americans may consider the standard retirement age to be 65, but the so-called "full retirement age" for Social Security is already older than that — and it's about to hit an even higher age in 2025. Social Security's full retirement age (FRA) refers to when...
5 Key Changes to 401(k)s in 2025 and What They Mean for You
These new rules could make it easier for you to save more money for retirement Participating in a 401(k) plan where you work is a smart way to invest for retirement. Plus, your employer may match some or all of the money you contribute. In 2025 the rules for 401(k)s...
What’s Changing for Retirement in 2025?
How Secure 2.0 and inflation adjustments will affect retirement savers and spenders. For retirement savers, the ringing in of the new year will bring more than the usual inflation adjustments to retirement contributions. The retirement legislation known as Secure 2.0...
Most Americans Feel They’re Worse Off Now Than In 2020—Here’s What The Data Says
Key Takeaways A recent Gallup poll showed most Americans feel they are worse off today than four years ago. Data on household finances show that things have changed dramatically since September 2020, when the COVID-19 pandemic was affecting the economy. Americans have...
Weekly Market Commentary
Darren Leavitt, CFA US financial markets were extremely busy last week as a rush to download a Chinese AI platform called Deep Seek from Apple’s App Store seemingly changed the narrative around artificial intelligence in a heartbeat and on multiple fronts. Capital...
Weekly Market Commentary
Darren Leavitt, CFA Wow, what a week! US markets were closed on Monday for Martin Luther King Jr. Day, and Donald Trump was inaugurated as the 47th President of the United States. It was a historic day indeed. The global markets were poised for a barrage of executive...
Weekly Market Commentary
-Darren Leavitt, CFA Financial markets advanced this week as a solid start to the fourth-quarter earnings season, and some better-than-feared inflation data gave investors a reason to buy the most recent dip. The financial sector gained 6.1% on the week as bank...
Weekly Market Commentary
-Darren Leavitt, CFA US equity markets fell in the first full week of 2025 as investors recalibrated their Federal Reserve monetary policy expectations. Stronger labor data, a robust ISM Services print, and a weaker Consumer Sentiment report showing increased...
Weekly Market Commentary
-Darren Leavitt, CFA The final trading sessions for 2024 extended losses from the prior week, but the S&P 500 and NASDAQ still posted impressive gains for the year, 23.3% and 28.6%, respectively. The so-called Santa Clause Rally did not appear for the second...
Weekly Market Commentary
-Darren Leavitt, CFA Market action was mixed in a holiday-shortened week of trade. The Santa Clause rally, which runs for the last five trading sessions of the year through the first two trading sessions of the New Year, kicked off with gains from mega-cap...
Weekly Market Commentary
-Darren Leavitt, CFA Equity and fixed-income markets sold off for the second consecutive week as the Federal Reserve delivered an expected twenty-five basis-point rate cut but pivoted to a much more hawkish stance for 2025, where the committee now expects only two...
Weekly Market Commentary
-Darren Leavitt, CFA The Nasdaq eclipsed the 20,000 level for the first time this week as investors reengaged in buying the mega-cap technology names. Amazon, Google, Tesla, and Meta hit new highs for the year as investors heard about more advances in AI and quantum...
Weekly Market Commentary
The S&P 500 forged another set of all-time highs as investors embraced the idea of an economy running at a pace appropriate for the Fed to consider further rate cuts. Leadership in the market toggled back to the mega-cap technology issues, with the communication...
Ed Slott’s Elite IRA Advisor Group (Ed Slott Group) is a membership organization owned by Ed Slott and Company, LLC. Logos and/or trademarks are property of their respective owners and no endorsement of (Pinnacle Retirement Group) is stated or implied. Ed Slott Group and Ed Slott and Company, LLC are not affiliated with Pinnacle Retirement Group.
For the detailed requirements of Ed Slott’s Elite IRA Advisor Group, please visit: https://www.irahelp.com/
IRA Beneficiaries and Roth Conversions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: My father passed away in November 2021. I became disabled in April 2022. Am I now an eligible designated beneficiary (EDB) that can use the stretch rule for distributions? I receive disability payments, so the SSA knows...
“IRA Distribution Confusion”
By Andy Ives, CFP®, AIF® IRA Analyst Traditional and Roth IRA owners often get confused about the distributions they take from their IRAs. Mix-ups and misunderstandings are pervasive. With Roth IRAs, there a number of different factors to consider when withdrawing...
IRS Confirms Effective Date of Mandatory Roth Catch-Up Rule
By Ian Berger, JD IRA Analyst In final regulations issued on September 15, 2025, the IRS confirmed that company retirement plans must comply with the SECURE 2.0 Act’s mandatory Roth catch-up rule as of January 1, 2026. That rule requires high-paid employees who wish...
PAYMENT OF THE FIRST RMD AND THE ONCE-PER-YEAR RULE: TODAY’S SLOTT REPORT MAILBAG
By Ian Berger, JD IRA Analyst Question: Hi, If my birthday is in December 2026, when I turn 73 years old, can I take my required minimum distribution (RMD) on January 2, 2026, even though I’m not yet 73 years old then? Thank you, Harvey Answer: Yes. Your first RMD is...
5 Things You Need to Know About 2025 Qualified Charitable Distributions
By Andy Ives, CFP®, AIF® IRA Analyst If you are thinking about doing a qualified charitable distribution (QCD) for 2025, time is running out. The deadline is December 31, 2025. Many people miss out on this valuable tax break. Here are 5 things you need to know about...
Participation in Multiple Retirement Plans
By Andy Ives, CFP®, AIF® IRA Analyst Can a person who works at two different, unrelated companies participate in the retirement plan offered by each of those businesses? Yes. Can this same person receive the maximum annual contributions into BOTH plans? Yes,...
The “Still-Working Exception” and December 31 Retirement
By Ian Berger, JD IRA Analyst As the end of the year approaches, you may have plans to retire on December 31. However, if you are using the “still-working exception” to defer required minimum distributions (RMDs) from your 401(k) (or other company plan), you may want...
2025 Year-End Retirement Account Deadlines
By Sarah Brenner, JD Director of Retirement Education The end of the year always brings a flurry of retirement account deadlines and planning opportunities. This year is no different. And, new for 2025, the One Big Beautiful Bill Act (OBBBA) brings new...
Qualified Distributions and Successor Beneficiaries: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Dear IRA Help, Here is my specific case. I am 84 years old. I opened a Roth IRA on March 30, 2020, with a conversion. I started withdrawing from this conversion on March 10, 2025. Did I satisfy the...
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Foundations Investment Advisors, LLC (“Foundations”), deems reliable but in no way does Foundations guarantee its accuracy or completeness. Foundations 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 Foundations. 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 Foundations, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
It’s Time to Shop for Medicare, and 2025 Brings Big Changes
A bumper crop of revisions, including a stronger drug benefit, means the plan you enrolled in for 2024 may not be the best fit next year. Americans on Medicare will see big, and welcome, changes next year. The program’s prescription drug insurance will be much...
read more
5 big changes to Medicare 2025 plans you should know during open enrollment
Big changes to Medicare plans are in store for 2025 as open enrollment is underway. Medicare is a federal health insurance program for older adults ages 65 and older. Open enrollment for 2025 Medicare plans runs through December 7. Some major changes in 2025 include a...
read more
Capturing the Opportunity: Medicare Advantage Trends to Watch in 2025
Key lessons learned from the 2025 Medicare Annual Enrollment Period (AEP); plus actionable strategies for Medicare Advantage plans looking to improve member experience and reduce costs. 2025 is set to be a pivotal year for Medicare plans nationwide. As the market...
read more
What You’ll Pay in Out-of-Pocket Medicare Costs in 2025
“How much can I expect to pay out of pocket for Medicare coverage?” It’s something you might be wondering if you’re age 65+ or about to turn 65. Medicare expenses are a big concern for many older adults, especially those on a fixed or limited income. The first step to...
read more
The Medicare Part D Donut Hole Disappears in 2025
Key takeaways: The Medicare Part D coverage gap known as the “donut hole” will end in 2024. As of January 1, 2025, Medicare Part D plans will have a $2,000 out-of-pocket limit. If you reach that threshold, your plan will pay for all of your covered medications in full...
read more
What You Need to Know About Changes to Medicare Part D in 2025
Two important changes are coming for Medicare Part D beneficiaries in 2025 as a result of the Inflation Reduction Act: Annual out-of-pocket (OOP) cap of $2,000 for prescription drugs. Medicare Prescription Payment Plan (MPPP), which will allow beneficiaries who opt in...
read more
Medicare benefits in 2025: 4 big changes every enrollee should know
Big changes are coming to Medicare in 2025, and they could make a major difference in your prescription drug costs. Thanks to the Inflation Reduction Act, Medicare beneficiaries will see the most significant updates to the program’s drug coverage since it was first...
read more
CMS Announces 2025 Premiums and Deductibles for Medicare Parts A and B
Last week, the Centers for Medicare & Medicaid Services (CMS) released information about Medicare costs in 2025, including the 2025 premium, deductible and coinsurance amounts for Medicare Part A and Part B. The agency also announced the income-related monthly...
read more
Comparing Plans is Especially Important This Open Enrollment Season Due to Changes in Part D Protections and New Options
Key components of the Inflation Reduction Act’s Part D reforms will be fully implemented for plans offered in 2025. These changes, including the total elimination of the “coverage gap” coverage period, the establishment of a $2,000 cap on beneficiary out-of-pocket...
read more
It’s Time to Shop for Medicare, and 2025 Brings Big Changes
A bumper crop of revisions, including a stronger drug benefit, means the plan you enrolled in for 2024 may not be the best fit next year. Americans on Medicare will see big, and welcome, changes next year. The program’s prescription drug insurance will be much...
5 big changes to Medicare 2025 plans you should know during open enrollment
Big changes to Medicare plans are in store for 2025 as open enrollment is underway. Medicare is a federal health insurance program for older adults ages 65 and older. Open enrollment for 2025 Medicare plans runs through December 7. Some major changes in 2025 include a...
Capturing the Opportunity: Medicare Advantage Trends to Watch in 2025
Key lessons learned from the 2025 Medicare Annual Enrollment Period (AEP); plus actionable strategies for Medicare Advantage plans looking to improve member experience and reduce costs. 2025 is set to be a pivotal year for Medicare plans nationwide. As the market...
What You’ll Pay in Out-of-Pocket Medicare Costs in 2025
“How much can I expect to pay out of pocket for Medicare coverage?” It’s something you might be wondering if you’re age 65+ or about to turn 65. Medicare expenses are a big concern for many older adults, especially those on a fixed or limited income. The first step to...
The Medicare Part D Donut Hole Disappears in 2025
Key takeaways: The Medicare Part D coverage gap known as the “donut hole” will end in 2024. As of January 1, 2025, Medicare Part D plans will have a $2,000 out-of-pocket limit. If you reach that threshold, your plan will pay for all of your covered medications in full...
What You Need to Know About Changes to Medicare Part D in 2025
Two important changes are coming for Medicare Part D beneficiaries in 2025 as a result of the Inflation Reduction Act: Annual out-of-pocket (OOP) cap of $2,000 for prescription drugs. Medicare Prescription Payment Plan (MPPP), which will allow beneficiaries who opt in...
Medicare benefits in 2025: 4 big changes every enrollee should know
Big changes are coming to Medicare in 2025, and they could make a major difference in your prescription drug costs. Thanks to the Inflation Reduction Act, Medicare beneficiaries will see the most significant updates to the program’s drug coverage since it was first...
CMS Announces 2025 Premiums and Deductibles for Medicare Parts A and B
Last week, the Centers for Medicare & Medicaid Services (CMS) released information about Medicare costs in 2025, including the 2025 premium, deductible and coinsurance amounts for Medicare Part A and Part B. The agency also announced the income-related monthly...
Comparing Plans is Especially Important This Open Enrollment Season Due to Changes in Part D Protections and New Options
Key components of the Inflation Reduction Act’s Part D reforms will be fully implemented for plans offered in 2025. These changes, including the total elimination of the “coverage gap” coverage period, the establishment of a $2,000 cap on beneficiary out-of-pocket...
Jupiter, Florida
601 Heritage Dr, Suite 444
Jupiter, FL 33458
Office: 610-707-9170
Cell: 561-329-2650
Collegeville, Pennsylvania
409 2nd Ave, Suite 201
Collegeville, PA 19426
Office: 610-707-9170
Cell: 561-329-2650
Warrington, Pennsylvania
1243 Easton Road
Warrington, PA 18976
Office: 610-707-9170
Cell: 561-329-2650