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Navigating Retirement in a Shifting Economy
News, Retirement PlanningHow Tariffs, Trade Wars, and Federal Policies Impact RMDs and Roth IRAs
As 2025 unfolds, the global economic landscape continues to present new challenges for retirees. Market volatility, trade disputes, and shifting federal policies have all introduced fresh risks—particularly for those managing IRAs, 401(k)s, and non-qualified retirement accounts.
At Agemy Financial Strategies, with offices in Connecticut and Colorado, we’re committed to helping retirees protect and preserve their wealth, especially during uncertain times. This week, we’re breaking down seven key areas every retiree should know to weather this economic storm and maintain control over their financial future.
1. Roth Conversion Success in a Down Market
Market downturns can be a hidden opportunity—particularly for Roth conversions. When your traditional IRA or 401(k) is temporarily reduced in value, converting those assets into a Roth IRA can result in a lower tax burden. Once in a Roth, your assets grow tax-free, and future withdrawals are tax-free as well.
🧠 Tip: Roth conversions are even more powerful when paired with a long-term strategy for managing tax brackets, Social Security timing, and RMD coordination. Listen to our Financial Strategies podcast on ‘Roth IRAs Rebooted’, here.
2. SECURE Act 2.0: What You Need to Know
Effective January 1, 2023, the SECURE Act 2.0 introduced sweeping changes to retirement planning. Key updates include:
🔍 Strategy: Use the extended RMD window to explore Roth conversions and reduce future tax liabilities.
3. New 2025 RMD Table: How to Calculate Correctly
The IRS has updated its RMD tables to reflect longer life expectancies. That means lower annual withdrawal amounts, which can help your portfolio last longer—but only if you calculate correctly.
How It Works: Divide your retirement account balance as of December 31 of the previous year by the life expectancy factor from the IRS table.
📌 Penalty Alert: Missing or miscalculating your RMD can result in a 25% excise tax penalty—a costly mistake that can be avoided with proper planning.
4. Avoid the 25% RMD Penalty Pitfall
Under the SECURE Act 2.0, the old 50% penalty for missed RMDs has been reduced to 25%—and even 10% if corrected quickly. But prevention is the best strategy.
✔️ Action Step: Work with a fiduciary advisor to ensure you’re using the correct RMD tables and timing to avoid this penalty altogether.
5. Beneficiary Designation Tips: Stretch IRAs and 401(k)s
Thanks to recent changes, inherited retirement accounts now follow a 10-year rule—eliminating the lifetime “stretch” for many beneficiaries.
What You Should Do:
🏛️Estate Tip: Improper beneficiary planning can result in unnecessary taxes or legal battles.
6. Navigating Tariffs, Trade Wars, and Federal Policy Risks
Tariffs and trade conflicts can ripple through markets, impacting retirement portfolios in unexpected ways. Retirees with heavy exposure to international equities or manufacturing sectors may feel the brunt of these shifts.
🔄 Mitigation Strategy: Diversify across sectors and asset classes. Ensure your portfolio is flexible enough to respond to federal policy changes, such as interest rate hikes or economic stimulus measures.
7. Customized Retirement Portfolio Allocation Built for Today’s Economy
At Agemy Financial Strategies, we understand that today’s retirees need more than generic advice—they need a customized investment approach that evolves with the economy. That’s why we’ve spent over 35 years helping clients safeguard their savings with forward-thinking, tax-efficient, and risk-conscious portfolio strategies.
In 2025, market conditions are more unpredictable than ever—shaped by trade tensions, inflation, and federal policy shifts. Our fiduciary-led firm and financial strategies are specifically designed to weather these changes, helping protect your wealth while generating the income you need to enjoy retirement.
Here’s how we can help:
Bonus: What Investment Tools Support Your Income Goals?
Choosing the right mix of retirement tools can help turn your savings into dependable monthly, semi-annual, or annual income—while addressing risks like longevity and market downturns.
Consider:
Remember: Not all investment tools are suitable for every retiree—customization is key.
Final Thoughts: Take Control in Uncertain Times
As we celebrate 35 years of excellence, we remain as committed as ever to helping you thrive in retirement—no matter what the markets do next.
Retirement planning in 2025 is not about guessing—it’s about strategic decision-making based on real data, legal changes, and global events. From tariffs and trade wars to federal policy shifts and market volatility, today’s retirees face a lot of moving pieces.
But with the right plan—and the right partner—you can turn complexity into clarity.
Book your consultation today and let us help you protect your future with precision, purpose, and fiduciary care.
Frequently Asked Questions (FAQs)
Q: How do tariffs affect my retirement investments?
A: Tariffs can trigger market sell-offs, particularly in sectors like manufacturing or global trade. Diversifying your portfolio and rebalancing regularly can help reduce exposure.
Q: What’s the benefit of Roth conversions during a market dip?
A: You convert assets at a lower value, potentially lowering the tax cost and maximizing long-term tax-free growth.
Q: How often should I check my RMD calculation?
A: Annually. Your balance and life expectancy factor will change each year, affecting your required distribution amount.
Q: Can I avoid the RMD penalty?
A: Yes. Filing a timely correction and working with a fiduciary advisor to track RMDs can help you avoid or reduce penalties.
Q: What makes Agemy Financial Strategies different?
A: As fiduciaries, we’re legally obligated to act in your best interest. Our customized strategies focus on wealth preservation, income generation, and long-term success in any market condition.
Disclaimer: This content is for educational purposes only and should not be considered financial or investment advice. Please consult with the fiduciary advisors at Agemy Financial Strategies before making any investment decisions.
How to Protect Your Real Estate and Optimize Income In Turbulent Times
News, Real Estate, Retirement Income PlanningWith today’s economic volatility—rising interest rates, inflation pressures, tariff rollercoasters, and shifting housing demands—it’s more important than ever for retirees to not only generate income from real estate but also protect those investments against downside risk.
Here’s how to approach real estate strategically in turbulent times.
Understanding the Real Estate Landscape in Connecticut and Colorado
Connecticut
Despite broader market uncertainty, Connecticut has remained relatively stable. In 2025, regions like Greater Hartford and New Haven performed well, with Hartford ranked among the top 50 U.S. metros for growth potential by Zillow.
With an average home sale price of $414,183 (a 5.1% YOY increase), retirees may find solid investment opportunities, especially in suburban communities where remote work and space are still in demand. However, protecting those assets through diversified approaches and risk management is key.
Colorado
Colorado continues to outperform national trends. Cities like Colorado Springs are projected to see a 27.1% increase in home sales in 2025. With a strong job market, expanding tech sector, and high quality of life, the state remains a magnet for population growth.
Yet, rapid appreciation also brings risk—market corrections, regulatory shifts, and rising property taxes can affect your bottom line. Diversifying income sources and proactively managing assets becomes critical in times of market instability.
Connecticut
Connecticut’s real estate market has demonstrated remarkable resilience, even amid broader economic fluctuations. In 2025, the Greater Hartford metropolitan area, including New Haven, became one of the state’s top-performing regions, with Zillow naming Hartford among the top 50 U.S. metros for growth potential.
The average sale price in Connecticut stood at approximately $407,391, reflecting a 5.8% year-over-year increase in 2025. However, affordability remains a concern, especially with the state’s average household income of $130,601. As a result, retirees need to consider strategic investment approaches, particularly in suburban areas where the demand for larger homes is increasing.
Colorado
Colorado’s real estate market has grown substantially, particularly in cities like Colorado Springs and Denver. In 2025, Colorado Springs experienced a 27.1% year-over-year increase in home sales. The combination of economic stability, robust job markets, and a growing population has made the state’s real estate market an attractive prospect for retirees. Whether it’s residential or commercial properties, Colorado’s diverse economy and strong demand for housing make it an ideal location for income-generating real estate investments.
How Tariffs Affect Real Estate Investments
Tariffs may seem like a distant issue for real estate investors, but their ripple effects can have real consequences. When new tariffs are imposed—especially on imported construction materials like steel, lumber, aluminum, and appliances—the cost of development and property maintenance can rise significantly. This affects not only builders and developers but also income property owners who may face higher renovation and repair costs, ultimately squeezing profit margins.
In times of economic uncertainty, tariff-driven inflation can also impact consumer confidence and interest rates, leading to slower growth in property values or a cooling rental market. For real estate investors, this makes it even more important to focus on efficient property management, secure stable tenant leases, and explore tax-advantaged strategies like 1031 exchanges or cost segregation.
Proactive financial planning and a diversified investment approach can help protect your portfolio and preserve income—even when the broader economy faces headwinds.
How to Help Protect & Optimize Your Real Estate Income
1. Create a Defensive Rental Strategy
Rental income remains one of the most reliable ways to earn from real estate, but retirees must defend against vacancies and declining rents during downturns.
Protective Actions:
2. Embrace Short-Term Rentals with Built-In Flexibility
Vacation rentals can generate higher income, but also face more volatility. During economic downturns, tourism may drop or regulations may tighten.
Protective Actions:
3. Diversify with Real Estate Investment Trusts (REITs)
REITs offer exposure to real estate with built-in diversification, which can help buffer retirees against market turbulence without direct property ownership.
Protective Actions:
4. Participate in Syndications That Prioritize Capital Preservation
Real estate syndications provide access to large-scale properties with shared risk. In turbulent times, it can be beneficial to choose conservative, income-focused projects.
Protective Actions:
5. Use Cost Segregation and Tax Strategies to Boost After-Tax Income
In uncertain markets, improving cash flow through tax savings can be just as powerful as increasing rent.
Protective Actions:
To help optimize your real estate holdings in volatile times, your approach must go beyond buying and holding. It’s about aligning cash flow, capital preservation, and flexibility with your retirement lifestyle.
Key Focus Areas:
How Agemy Financial Strategies Can Help
In a changing market, working with a fiduciary partner like Agemy Financial Strategies can help provide the stability and knowledge you need.
Final Thoughts
From Connecticut’s steady suburbs to Colorado’s booming cities, real estate remains a powerful tool for retirement income, even in turbulent times. But the key to success is adaptability and risk management.
By working with Agemy Financial Strategies, you gain a partner who understands both the potential and the pitfalls of real estate investing—and knows how to navigate them with your retirement goals in mind.
Contact us today to schedule your complimentary consultation and learn how to protect your real estate while helping maximize income for the years ahead.
Frequently Asked Questions (FAQs)
1. How can I help protect my real estate investments during a recession?
Focus on diversification, maintain cash reserves, and prioritize properties with steady demand. Consulting a fiduciary may help with building a more resilient portfolio strategy.
2. Is now a good time to buy real estate in Connecticut or Colorado?
Both markets offer opportunities, but timing depends on interest rates, local trends, and your financial goals. A fiduciary advisor can help you evaluate current conditions.
3. How can I boost income from underperforming properties?
Consider rent increases, short-term rentals, tax strategies, or upgrading property features to attract higher-paying tenants.
4. Should I invest in REITs instead of physical property during uncertain times?
REITs offer liquidity and built-in diversification, making them attractive for retirees seeking lower-risk exposure.
5. What’s the role of estate planning in protecting real estate assets?
Estate planning can help ensure your real estate transfers smoothly to heirs, reduce tax burdens, and align with your legacy goals. Agemy Financial Strategies can help create a comprehensive estate strategy.
Disclaimer: This content is for informational and educational purposes only and should not be construed as financial, legal, or tax advice. Investment strategies, including real estate, involve risk and may not be suitable for everyone. For a full understanding of any investment strategy’s risks and potential rewards, we encourage you to schedule a complimentary consultation with one of our fiduciary advisors.
Financial Planning Tips for Small Business Owners
Financial Planning, NewsIn honor of National Small Business Week | May 4–10
At Agemy Financial Strategies, we believe that small business owners are the backbone of the American economy. With offices in Denver, CO and Guilford, CT, our team of fiduciary advisors proudly serves entrepreneurs who work tirelessly to grow their businesses, support their families, and serve their communities. This National Small Business Week, we’re sharing practical and forward-thinking financial planning tips to help business owners navigate tariffs and economic volatility, preserve their wealth, and turn business income into lasting retirement income.
1. Create a Strong Financial Foundation
Before anything else, it’s essential to separate personal and business finances. Open dedicated business checking and savings accounts, and track all expenses and income accurately. This simplifies tax preparation and provides a clear view of your business’s financial health.
Tip: Use accounting software to streamline financial management and identify patterns in cash flow.
2. Build an Emergency Fund
Economic uncertainty is a growing challenge. From inflation and interest rate fluctuations to supply chain disruptions, today’s market presents unique risks. Every small business should maintain an emergency fund covering at least 3 to 6 months of operating expenses.
Tip: This fund can be a lifesaver during downturns and allows you to keep your business running without resorting to high-interest credit.
3. Diversify Your Revenue Streams
Depending too heavily on one product, service, or client can leave your business vulnerable if demand drops or a key account is lost. To reduce risk and increase stability, consider offering related services, launching digital products, or reaching new customer segments. Diversifying how your business earns revenue can help you stay resilient in a changing economy.
Tip: In volatile times, diversification can help smooth out revenue and increase long-term stability.
4. Maximize Tax Efficiency
Taxes can be one of the biggest expenses for a small business owner. Strategies like selecting the right business structure, utilizing Section 179 deductions, or contributing to a retirement plan (like a SEP IRA or Solo 401(k)) can significantly reduce your tax burden.
Check out personalized tax strategies for clients in Connecticut here and Colorado here.
Tip: Work with a financial advisor who understands tax laws and can help you take full advantage of available deductions.
5. Establish a Business Succession Plan
Whether you’re planning to retire, sell your business, or pass it to a family member, a solid succession plan is essential. It protects your legacy and helps ensure a smooth transition. Read more on succession planning here.
Tip: Begin succession planning early, even if retirement feels far off. This gives you more flexibility and options.
6. Turn Business Income Into Retirement Income
Many small business owners reinvest all profits into their companies and delay saving for retirement. But your business is not a retirement plan by itself.
Strategy:
Read more on retirement income strategies here.
Tip: Transitioning from business owner to retiree takes planning. Let a fiduciary advisor help you structure your finances to generate income beyond your business.
7. Preserve Your Wealth Amid Economic Volatility
With market volatility top of mind in 2025, wealth preservation strategies are critical. Diversify investments across asset classes, consider insurance to mitigate risk, and evaluate your portfolio regularly.
Tip: Don’t go it alone. Fiduciary advisors, like our team at Agemy Financial Strategies, are legally and ethically obligated to act in your best interest.
Final Thoughts: Make a Plan, Stick to It, Adjust as Needed
Financial planning isn’t a one-time task—especially for small business owners. It requires regular reviews, adjustments, and expert guidance. During National Small Business Week, take the time to evaluate your current strategies and look for opportunities to strengthen your financial future.
At Agemy Financial Strategies, we help small business owners in Colorado and Connecticut make informed decisions that support their goals, protect their wealth, and turn hard work into lasting financial security.
🔗 Schedule a complimentary consultation at agemy.com
Frequently Asked Questions (FAQs)
Q: What’s the best retirement plan for small business owners?
A: It depends on your income level, number of employees, and financial goals. Popular options include Solo 401(k)s, SEP IRAs, and Defined Benefit Plans. A fiduciary advisor can help determine the most tax-efficient strategy for you.
Q: How much should I save for retirement as a small business owner?
A: Aim to save 15-25% of your income annually, but any consistent amount is a strong start. The key is to begin early and adjust as your income grows.
Q: Can I sell my business to fund retirement?
A: Yes. Many owners plan to sell their business as part of their retirement strategy. Start planning your exit early to maximize value and minimize tax consequences.
Q: How can I protect my business from economic downturns?
A: Build an emergency fund, diversify income sources, review your business insurance, and work with a financial advisor to create a contingency plan.
Q: Why work with a fiduciary financial advisor?
A: Fiduciary advisors are legally obligated to act in your best interest. At Agemy Financial Strategies, we provide transparent, objective guidance tailored to your unique business and personal financial goals.
Disclaimer: The information provided in this article is for educational and informational purposes only and should not be considered financial, tax, or legal advice. Individual financial situations vary, and readers are encouraged to seek personalized guidance from the qualified financial professionals at Agemy Financial Strategies before making investment decisions.
U.S. Bitcoin Strategic Reserve: What It Means for Your Portfolio
Investment Management, NewsBitcoin has emerged as a key player, often referred to as “digital gold” due to its scarcity and security. The establishment of the U.S. Bitcoin Strategic Reserve and the Digital Assets Stockpile, announced by the White House in March 2025, marks a significant moment in integrating cryptocurrencies into the broader financial ecosystem.
For Americans approaching retirement and managing substantial portfolios, this new reserve raises important questions about how digital assets could impact their investment strategies. Here’s what you need to know.
Understanding the U.S. Bitcoin Strategic Reserve
On March 6, 2025, the White House announced the creation of the Bitcoin Strategic Reserve, accompanied by an executive order titled Establishment of the Strategic Bitcoin Reserve and United States Digital Asset Stockpile. This initiative is grounded in the idea that Bitcoin’s fixed supply and its robust security features make it an increasingly valuable asset for nations to hold. The White House outlined that Bitcoin’s 21 million coin limit, along with its immutability and security, provides a strategic advantage to countries that secure early access to it.
Bitcoin’s scarcity has made it a reliable store of value, much like gold, but with the added benefit of being a digital asset. By capping the total supply of Bitcoin, the cryptocurrency is insulated from inflationary pressures typical of fiat currencies. This predictable, deflationary feature makes Bitcoin so appealing, especially as governments like the United States look to leverage it for strategic purposes.
The Bitcoin Strategic Reserve will be housed within the U.S. Treasury and capitalized using assets from criminal and civil forfeitures rather than taxpayer dollars. By holding approximately 200,000 Bitcoin, the U.S. will control nearly 1% of the entire Bitcoin supply, which could impact market liquidity in profound ways. The reserve will not be used to trade Bitcoin but will instead be a long-term store of value.
Bitcoin’s security lies in its decentralized nature and its mining process. Bitcoin transactions are verified by miners who solve complex cryptographic puzzles to add blocks to the blockchain, thus helping secure the network. The amount of Bitcoin rewarded to miners decreases over time, helping ensure that fewer coins enter circulation, which in turn could lead to upward price pressure over the long term.
April 2025 Market Update: Where Does Bitcoin Stand Today?
As of mid-April 2025, Bitcoin continues to experience sharp volatility, recently rebounding from below $77,000 to over $87,000. This surge has been fueled by increased institutional interest and a weakening U.S. dollar. Analysts have also noted a movement of over 170,000 BTC from mid-term holders—an indicator of potential near-term volatility.
In parallel, global institutions are ramping up adoption. In Brazil, fintech firm Meliuz is expanding its Bitcoin reserves strategy, showing how digital assets are becoming part of strategic corporate treasuries worldwide.
Meanwhile, the newly announced U.S. Bitcoin Strategic Reserve and Digital Assets Stockpile—funded by assets from criminal and civil forfeitures—highlight a pivotal moment for crypto in traditional finance. This further legitimizes Bitcoin as a long-term store of value, particularly as the Treasury applies institutional-grade security measures such as cold storage and multi-signature wallets.
The Impact on Monetary Policy and Investment Strategies
One of the most important aspects of Bitcoin is its departure from traditional monetary policy. Unlike central banks that can adjust the money supply by engaging in actions like quantitative easing or quantitative tightening, Bitcoin’s supply is fixed and governed by a pre-determined schedule. This ensures that Bitcoin is not subject to the same inflationary risks that can erode the value of fiat currencies.
The introduction of the U.S. Bitcoin Reserve presents an opportunity to rethink traditional investment strategies, particularly for those who are nearing retirement. As the Federal Reserve continues to navigate the complexities of the U.S. economy, including low interest rates and inflationary pressures, digital assets like Bitcoin offer a potential hedge against these risks.
Bitcoin as a Portfolio Diversifier
The U.S. Bitcoin Strategic Reserve shows the growing institutional interest in Bitcoin and cryptocurrencies. As government entities move into the space, many investors are beginning to reconsider their approach to digital assets. Diversification has long been a cornerstone of effective portfolio management, and digital assets such as Bitcoin may help provide a new avenue for wealth preservation.
Potential Benefits of Adding Bitcoin to Your Portfolio
Understanding the U.S. Digital Assets Stockpile
In addition to the Bitcoin Reserve, the White House executive order introduced the U.S. Digital Assets Stockpile, encompassing a broader range of digital assets beyond Bitcoin. The stockpile may include other cryptocurrencies, such as Ethereum, Solana, or stablecoins, foundational platforms for various decentralized applications and financial services.
The U.S. Treasury Department will manage the Digital Assets Stockpile, and its goal is to help provide a secure, orderly framework for the United States to hold, track, and manage these assets. For affluent investors, this move signals a more formal recognition of digital assets within traditional financial systems. It could have implications for taxation, regulation, and even market liquidity.
As digital assets become more widely recognized and integrated into the financial system, investors may find it necessary to allocate a portion of their portfolio to these assets as part of their long-term retirement strategy.
Given the importance of maintaining the integrity and security of such a valuable asset, the U.S. Treasury will use cold storage to help safeguard the digital assets. Cold storage involves keeping the private keys that control the assets entirely offline, making them less vulnerable to hacking attempts. Additionally, using multi-signature wallets, where multiple parties must approve any transactions, will add an extra layer of security.
For investors, this level of institutional security might make digital assets more attractive. The U.S. government’s commitment to security and the technical sophistication of its approach provide a model for private investors to follow when managing their digital assets.
Cryptocurrency in the Current Market Volatility
The cryptocurrency market has been particularly volatile in recent years, and it’s essential to understand how this impacts potential investments, especially for those approaching retirement. Bitcoin, Ethereum, and other cryptocurrencies have experienced significant price fluctuations, driven by various factors, including regulatory changes, technological advancements, and shifts in investor sentiment.
In 2025, the cryptocurrency market continues to exhibit sharp volatility, with Bitcoin and other major cryptocurrencies experiencing significant price swings. For example, Bitcoin dropped from $65,000 in late 2021 to under $20,000 in mid-2022 and surged above $40,000 by late 2023. In 2025, we’ve seen even more fluctuations as digital assets navigate regulatory changes and evolving market dynamics. This ongoing volatility can pose challenges for traditional investors, especially those nearing retirement, who often prioritize more stable and predictable investment returns.
However, this volatility is part of what makes cryptocurrencies such an interesting asset class. The market’s fluctuations may offer significant upside potential for investors who can withstand short-term market swings. The increasing institutional interest in cryptocurrencies and the recent move by the U.S. government to establish a Bitcoin Strategic Reserve signal growing legitimacy and long-term potential for digital assets.
At the same time, it’s crucial to consider the risks. Digital currencies are still relatively new compared to traditional asset classes like stocks and bonds, and they can be subject to unpredictable movements. Furthermore, the evolving regulatory landscape, particularly with government-backed digital currencies and new regulations, can influence the market in unforeseen ways.
For investors nearing retirement, it’s especially important to balance the potential for high returns with the risk of significant losses. Cryptocurrencies may offer a high-risk, high-reward opportunity, but incorporating them into a retirement portfolio requires careful consideration of risk tolerance, financial goals, and overall portfolio diversification.
How Agemy Financial Strategies Can Help
As the U.S. establishes a Bitcoin Strategic Reserve, understanding its impact on your retirement planning is key, especially for high-net-worth individuals in Connecticut and Colorado. Agemy Financial Strategies offers guidance in navigating this evolving landscape. Here’s how we can assist:
Final Thoughts: Preparing Your Portfolio for the Future
The introduction of the U.S. Bitcoin Strategic Reserve and the Digital Assets Stockpile represents a fundamental shift in how governments and institutional investors view cryptocurrencies. For affluent individuals, this development highlights the importance of considering digital assets as part of a diversified investment portfolio.
While Bitcoin and other digital assets have risks, they also offer opportunities to help hedge against inflation, gain exposure to a growing global market, and benefit from their scarcity and security. By staying informed and working with trusted financial advisors, you can make educated decisions about how digital assets might fit into your retirement plan. The future of finance is digital, and the U.S. Bitcoin Strategic Reserve is just the beginning of the larger conversation about how digital assets will shape investment strategies for years to come.
Contact us today to learn how we can help optimize your portfolio for the present and future.
Frequently Asked Questions (FAQs)
1. What exactly is a Bitcoin Strategic Reserve, and how does it work?
A Bitcoin Strategic Reserve is a government-held reserve of Bitcoin, intended to help stabilize and secure digital assets at a national level. The U.S. government created it to capitalize on Bitcoin’s fixed supply of 21 million coins, aiming to leverage its scarcity and security. The reserve is designed to store Bitcoin safely and help ensure it is not sold but rather held as a long-term asset to support digital asset infrastructure.
2. How can Bitcoin’s scarcity impact my portfolio?
Bitcoin’s fixed supply means that, over time, it becomes increasingly scarce, which could drive its value higher, especially as demand for digital assets grows. For investors, this scarcity could lead to potential appreciation in Bitcoin’s value, making it a compelling asset to consider for long-term wealth storage. However, it’s important to carefully assess your portfolio’s risk tolerance before adding Bitcoin, as its volatility is still a key factor.
3. What are the risks of including digital assets like Bitcoin in a retirement portfolio?
While Bitcoin has the potential for high returns, it also carries significant risks due to its volatility. The value of Bitcoin can fluctuate drastically in short periods, which could result in losses for investors who are not prepared for such market swings. Additionally, the evolving regulatory environment surrounding digital assets adds a layer of uncertainty that investors must consider when including Bitcoin in their portfolios.
4. How can digital assets like Bitcoin affect my tax strategy?
Investing in digital assets, including Bitcoin, can impact your tax strategy, as the IRS treats Bitcoin as property. This means that buying, selling, and trading Bitcoin can trigger capital gains taxes. Additionally, the evolving tax laws surrounding cryptocurrency may introduce new reporting requirements or tax treatments. Working with a financial advisor can help you optimize your tax strategy while complying with current regulations.
5. Is it safe to invest in digital assets like Bitcoin through my retirement account?
While some retirement accounts allow for investments in Bitcoin and other cryptocurrencies, it’s important to know the rules and potential risks. Bitcoin’s volatility could introduce instability to your portfolio, and not all retirement accounts offer exposure to digital assets. Additionally, self-directed IRAs and 401(k)s may incur higher fees and complexities. Consulting with a financial advisor can help you determine whether digital assets are a suitable investment for your retirement goals.
Disclaimer: This content is for educational purposes only and should not be considered financial or investment advice. Please consult with the fiduciary advisors at Agemy Financial Strategies before making any investment decisions.
Turning 65 In 2025? Here’s How To Plan For A Confident Retirement
News, Retirement Income Planning, Retirement PlanningThe retirement landscape is shifting dramatically as the largest wave of Americans in history reaches the traditional retirement age. Known as the “Peak 65” generation, this group represents a pivotal moment in retirement planning.
In 2025,an average of 11,400 Americans will turn 65 each day, setting a historic milestone with 4.18 million people reaching the traditional retirement age within the year—the highest on record. With economic uncertainty and evolving retirement benefits, it is more critical than ever for those approaching retirement to have a solid financial plan. Here are the essential steps for navigating the journey to financial security in retirement.
Understanding ‘Peak 65’
“Peak 65” marks the age when many individuals begin considering retirement or transitioning from full-time work to exploring new opportunities. As expected, the Alliance for Lifetime Income (ALI) emphasizes retirement income, offering insightful statistics for those approaching this pivotal stage, known as the Peak Zone:
This wave of upcoming retirees is reshaping the retirement planning landscape and presents the task of protecting wealth for an extended duration. One of the positive aspects of ‘Peak 65’ is that it prompts individuals to reassess their retirement savings, investments, and overall financial readiness for retirement. This demographic shift carries profound implications for the wealth management sector.
As an investor approaching retirement age, your retirement plan must adapt to this new reality to effectively meet the needs of today’s and tomorrow’s retirees. It goes beyond simply having enough to retire. The focus is sustainable retirement funds, allowing individuals to fulfill their aspirations of leaving behind a meaningful legacy. Let’s explore how wealth management can play a pivotal role in achieving these goals.
Having A Wealth Preservation Strategy
Financial readiness becomes paramount as individuals approach the ‘Peak 65’ milestone. Those nearing retirement must meticulously evaluate their retirement income sources to gauge their readiness for this stage of life. This requires the adoption of a wealth preservation strategy.
While wealth growth focuses on accumulating more assets, wealth preservation centers on protecting wealth against erosion. Various investment strategies are tailored to help secure wealth over the long term. Instead of putting all your eggs in one basket, diversifying your investment portfolio across various asset classes can help spread risk and potentially enhance returns.
Consider a mix of stocks, bonds, real estate, and alternative investments. By embracing a diversified investment approach and incorporating alternative investments to preserve wealth, individuals can help protect assets from significant declines in value.
Having An Estate Plan
For many retirees, helping ensure a lasting financial legacy for their children and grandchildren is a top priority. As the Baby Boomer generation ages, they prepare to pass their wealth to the next generation in significant ways. Here’s how:
With such vast wealth in motion, having a well-structured estate plan is critical to helping ensure a smooth and efficient wealth transfer. A thorough plan allows you to manage your assets during your lifetime while ensuring they are distributed according to your wishes after your passing.
Beyond financial considerations, an estate plan can also outline your healthcare preferences, allowing your wishes to be honored even if you cannot communicate them yourself. Additionally, it can designate a trusted individual to help manage your financial affairs if you cannot do so.
At Agemy Financial Strategies, our fiduciary advisors are here to help you navigate the complexities of estate planning. We work with you to develop a customized plan that includes asset distribution strategies, tax minimization solutions, and the right trust structures to fit your unique needs. Taking these steps helps your wealth endure and effectively serve future generations.
Healthcare and Long-Term Care Considerations
With ‘Peak 65″ comes an increase in people needing long-term care. The cost of long-term care can be substantial, and it’s not covered by traditional health insurance or Medicare. On average, the annual nursing home cost is $110,360 for a semi-private room or $123,913 for a private room.
It’s crucial to remember that nursing home costs vary significantly by location, so it’s important to check specific rates in your area. The financial commitment associated with long-term care necessitates careful consideration and planning to help ensure the well-being of your loved ones and your financial stability.
Planning for long-term care needs is essential to help ensure that retirees have the necessary resources to receive the care they require. This can involve creating a financial plan, researching care options, and discussing wishes with loved ones. Working with a fiduciary can help you plan for these costs.
How Team Agemy Can Help
Navigating the complexities of retirement planning, especially during ‘Peak 65’, can be daunting. Working with a fiduciary can be useful for Americans transitioning to their golden years. Moreover, fiduciary advisors must act in their clients’ best interests, providing objective advice.
For over 35 years, Agemy Financial Strategies has been dedicated to empowering retirees and pre-retirees through customized retirement planning services so our clients can get sound advice and gain knowledge in the following areas:
Our top goal is to empower clients to make informed decisions and confidently navigate the financial landscape’s complexities. Our team takes the time to understand each client’s circumstances and long-term objectives, helping to ensure that their retirement plans align with their goals.
Final Thoughts
The Peak 65 generation is reshaping retirement. With careful planning and proactive strategies, today’s retirees can achieve financial security and peace of mind. Agemy Financial Strategies understands the unique challenges associated with this milestone. As a Connecticut-based financial firm with offices in Denver, Colorado, we are committed to helping retirees navigate the complexities of financial planning.
Whether you’re preparing for retirement, managing your wealth, planning your legacy, or simply seeking guidance for a smooth transition, we’re here to support you every step of the way. If you’re turning 65 and wondering what’s next, let’s start the conversation today.
Contact us today to begin your journey toward a confident retirement.
Peak 65 FAQs
1. What does “Peak 65” mean?
Peak 65 refers to the unprecedented number of Americans turning 65 in 2025. With approximately 11,400 people reaching this milestone each day, this demographic shift has major implications for retirement planning, healthcare, and Social Security funding.
2. What are the biggest financial risks for retirees in 2025?
The biggest financial risks include longevity, inflation, market volatility, and healthcare expenses. Inflation continues to raise the cost of goods and services, reducing purchasing power over time. Market fluctuations can impact investment returns, making retirement income less predictable. Additionally, healthcare costs, including medical care, prescriptions, and long-term care, remain a significant concern.
3. Are there strategies to help retirement savings last?
It’s important to have multiple sources of guaranteed income. Certain annuities can provide a potential income stream regardless of market conditions. Dividend-paying investments, such as certain stocks or funds, can create a passive income stream. Roth IRA conversions may help minimize future tax burdens on withdrawals, helping ensure more of your savings can be used for retirement needs.
4. What should I consider when planning for healthcare in retirement?
When planning for healthcare in retirement, it is important to understand Medicare enrollment deadlines and choose the right plan to avoid coverage gaps. Long-term care insurance can help cover expenses for assisted living or nursing homes. Health Savings Accounts (HSAs) provide a tax-advantaged way to save for medical expenses. Additionally, supplemental insurance, such as Medigap or Medicare Advantage plans, can help cover costs not included in traditional Medicare.
5. How can a financial advisor help Peak 65 retirees?
A fiduciary financial advisor can help Peak 65 retirees create a sustainable income plan to help ensure financial security throughout retirement. They can assist in minimizing taxes on withdrawals from retirement accounts and adjusting investments to reduce risk while maintaining proper diversification. A fiduciary advisor can also help develop a healthcare strategy to cover medical and long-term care expenses, helping retirees have a comprehensive plan for the future.
6. What’s the best way to get started with retirement planning?
The best way to start retirement planning is to assess your current financial situation and establish clear goals. Evaluate your assets, including savings, pensions, and other income sources. Estimate future expenses for daily living, healthcare, travel, and unexpected costs. Determine if there are income gaps that need to be addressed. Explore investment options, such as annuities, bonds, and dividend-paying stocks, to create a balanced financial plan. Meeting with a fiduciary advisor is critical to get guidance tailored to your retirement needs.
Disclaimer: The information provided in this article is for educational and informational purposes only and should not be considered financial, tax, or legal advice. Individual financial situations vary, and readers are encouraged to seek personalized guidance from the qualified financial professionals at Agemy Financial Strategies before making investment decisions.
Trade & Tariffs: How Policy Changes Could Impact Your Portfolio
News, TariffsTrade policies and tariffs are pivotal in shaping financial markets in an increasingly interconnected global economy. Whether it’s new tariffs on imported goods, renegotiated trade agreements, or shifting geopolitical tensions, policy changes can have far-reaching consequences for investors.
After a volatile week of market swings, the S&P 500 rose 9.52%, the Dow Jones Industrial Average jumped 7.87%, and the Nasdaq Composite soared 12.16%. The bounce came from President Trump’s announcement of a 90-day tariff reduction for over 75 trade partners that had not retaliated against his sweeping trade actions. Still, the relief proved short-lived.
A baseline 10% tariff remains in place for most trading partners, while key nations—particularly China—are seeing even steeper hikes. The dollar dropped 1.5% on the yen to 145.5 and 2% on the franc to 0.8402. Gold climbed toward $3,120 per ounce on Thursday, approaching record levels and building on a more than 3% gain from the previous session, driven by safe-haven demand amid rising US-China tensions.
What’s Changing?
As of April 10, all U.S. imports will be subject to a new 10% tariff. Additionally, the White House is rolling out higher tariffs on specific nations it views as trade adversaries:
As global leaders weigh retaliatory actions or push for diplomatic resolutions, understanding the investment implications of these sweeping changes is more important than ever for high-net-worth individuals and those nearing retirement.
The Role of Tariffs in the Global Economy
Tariffs are taxes on imported goods designed to make foreign products less competitive than domestically produced alternatives. They play a significant role in shaping global trade policies and economic strategies. With the Trump Administration’s second term introducing new trade measures, investors should consider how these changes may impact different sectors. Governments impose tariffs for several reasons, including the following:
While tariffs can offer short-term economic benefits, they often trigger retaliatory measures from trading partners, potentially disrupting global supply chains and increasing market volatility.
Given these uncertainties, portfolio diversification remains a key strategy for helping manage risk. Now may be an opportune time to assess whether your portfolio aligns with your long-term financial goals. Some investors incorporate high-quality short-term bonds, higher-yielding “plus” sector bonds, and alternative investments into their risk management strategy.
However, investment strategies should be tailored to individual financial needs. Consulting a fiduciary can help ensure financial decisions align with long-term objectives.
Understanding New Developments in Trade Policies
Trade policies constantly evolve, with administrative shifts, economic conditions, and international relations influencing decisions. Key developments that could potentially affect investment portfolios include the following:
1. U.S. & China Trade Relations
The trade relationship between the U.S. and China remains a focal point of global economic policy, with recent developments escalating tensions. President Trump has significantly escalated trade tensions with China by increasing tariffs on Chinese imports to an effective rate of 145%.
Here are the key takeaways:
The situation remains dynamic, with ongoing developments that could have significant economic and geopolitical implications. Investors should closely monitor potential shifts in trade policy and assess risk exposure in sectors affected by these tariffs and regulatory changes. A fiduciary can provide guidance on adjusting investment strategies in response to evolving trade policies, helping investors mitigate risk and identify potential opportunities.
2. European Union Trade Policies
The EU has introduced measures to counteract U.S. tariffs, particularly on imports of steel, aluminum, and technology. As of April 10, 2025, the European Union (EU) is actively addressing recent U.S. tariff actions and adjusting its trade policies accordingly. Here’s how:
Investors with exposure to European equities or multinational corporations should monitor these changes closely. Working with a fiduciary can help them navigate the potential risks and opportunities these policy shifts present and help ensure their investment strategies remain aligned with long-term financial goals.
How Trade & Tariff Changes Can Impact Investment Portfolios
Trade policy changes can introduce risk and opportunity across asset classes for HNWIs and retirement-focused investors. Understanding the potential consequences can be essential to help with effective portfolio management.
1. Market Volatility & Equity Performance
Tariff announcements can trigger market fluctuations. For instance, when tariffs on Chinese goods were first announced in 2018, the S&P 500 experienced short-term volatility as investors reacted to potential profit margin squeezes. Here are some other considerations:
2. Commodity Prices & Inflation Risks
Tariffs on raw materials like steel, aluminum, and agricultural products can increase business costs, reduce profit margins, and affect stock valuations. Companies may raise prices to offset higher production expenses, leading to higher consumer costs, shifts in spending habits, and potential economic slowdowns.
These inflationary pressures can also affect interest rates and bond markets, with broader financial implications:
By monitoring these factors, investors can better understand how trade policies may impact various asset classes.
3. Currency Fluctuations & Emerging Markets
Strategies to Navigate Trade Policy Uncertainty
While predicting every trade policy shift is impossible, investors can take proactive steps to help mitigate risk and seize potential opportunities. At Agemy Financial Strategies, we support investors in navigating economic uncertainties by creating personalized financial plans tailored to their unique risk tolerance and long-term goals. Our fiduciary team can help with the following:
1. Diversification Across Sectors & Geographies
A well-diversified portfolio can help mitigate the risks of shifting trade policies by reducing reliance on any single sector or region. Allocating assets across various industries—technology, healthcare, and real estate—can help balance exposure to trade disruptions. Our team can help assess your portfolio’s risk exposure, identify opportunities for diversification, and adjust asset allocation to align with long-term financial goals in an evolving global market.
2. Monitoring Tariff-Exposed Industries
Investors should closely monitor how tariffs impact different sectors. Companies reliant on global supply chains may face challenges, while domestic suppliers or businesses in alternative markets could see opportunities. Understanding these dynamics is key to making informed investment decisions. The fiduciaries at Agemy Financial Strategies can provide guidance on navigating these shifts, helping align your investment strategy with changing market conditions.
3. Evaluating Fixed Income Positions
Rising interest rates driven by tariff-induced inflation can significantly impact bond holdings. Investors should consider adjusting bond duration, credit quality, and diversification strategies to help hedge against interest rate fluctuations. Agemy Financial Strategies can provide insights on balancing risk and return, helping you align with your long-term financial objectives.
4. Staying Informed With Ongoing Market Insights
Navigating the complexities of global trade requires staying informed about evolving economic policies and market trends. Working with a financial professional can help provide valuable insights into how trade developments may impact investment strategies. Key factors shaping the investment landscape include:
For over 35 years, Agemy Financial Strategies has been committed to educating clients and providing insights on how evolving policies may impact their financial future. Our team helps investors stay ahead of market changes and adapt their portfolios to navigate shifting trade landscapes with confidence.
Final Thoughts
Trade policies and tariffs are ever-evolving factors that influence global markets, business operations, and investment strategies. While they can introduce uncertainty, they also present opportunities for those who proactively adjust their portfolios and stay informed.
Strategic diversification and a clear understanding of sector-specific impacts are key to navigating these changes for high-net-worth individuals and retirees. At Agemy Financial Strategies, we provide personalized financial education and insights to help investors make informed decisions amid shifting economic policies.
Ready to take control of your financial future? Contact us today for a complimentary consultation and discover how our team can help you manage risk and seize opportunities in an evolving global economy.
Trade & Tariffs FAQs
How do tariffs impact stock market performance?
Tariffs can introduce market volatility as companies adjust to higher costs and shifting trade dynamics. Certain sectors, such as technology and manufacturing, may experience more significant fluctuations based on tariff announcements and global trade relations.
Should I adjust my portfolio in response to new tariffs?
While it depends on your investment strategy and risk tolerance, diversification across sectors and regions can help mitigate the impact of trade policy changes. Consulting with a fiduciary advisor at Agemy Financial Strategies can help provide insight.
What industries are most affected by trade policies?
Industries such as technology, manufacturing, agriculture, and consumer goods are often highly sensitive to tariff adjustments. Additionally, companies reliant on global supply chains may experience pricing and operational challenges.
How can I stay informed about trade policy changes?
Monitoring economic reports, government announcements, and market analyses can help investors stay updated. Financial professionals at Agemy Financial Strategies can help you by providing ongoing insights and strategic guidance.
Disclaimer: This content is for educational purposes only and should not be considered financial or investment advice. Please consult with the fiduciary advisors at Agemy Financial Strategies before making any investment decisions.