For decades, the 4% rule  has been treated as a near-universal guideline for retirement withdrawals. It shows up in articles, podcasts, retirement calculators, and media segments, often presented as a dependable benchmark for how much a retiree can “safely” spend each year from their portfolio. But the truth is more nuanced. There are surprising weaknesses of the 4% rule that most people overlook The original research behind the 4% rule was never intended to serve as a full r

Roth conversions have become one of the most commonly discussed strategies in retirement planning. If you’ve searched the internet recently, you’ve likely seen a wide range of opinions—I have personally seen a lot of people online talking about how to “never convert anything because you might be paying unnecessary taxes today.” I think any view that is that strong is misleading. The reality is more nuanced. Unfortunately, certainty and simplicity are going to sell much better

By Parkmount Financial Fiduciary Wealth Management & Financial Planning – Based in Boston & Serving Virtual Nationwide Introduction: Cutting Through the Noise in Finance If you’re a professional in Massachusetts or the greater Boston area — perhaps earning W-2 income with RSUs or stock-based compensation — you’ve probably wondered: How much do I really need to retire? Everyone wants to know what their number is. Scroll through YouTube or social media, and you’ll hear countle

Most people delay retirement out of fear — even when they could  retire comfortably. The irony? By the time they feel “ready,” many have...

Ever since the advent of the 401(k), we have seen a growing cohort of 401(k) millionaires. This is great, it meaning our society is...

If you're rolling into your 60s with a high net worth (around $1+ million saved ), you're likely pondering a critical question: Should...

If you work at Sanofi —especially in hubs like Cambridge , Framingham , or Bridgewater, NJ —you likely have access to a generous employee...

Market at Record Highs — Should You Be Worried? U.S. equity markets have recently reached new highs. It naturally raises this question:...

Brutally Honest Retirement Savings Advice for Anyone Age 50s If you’re 50 or older and haven’t started planning for retirement, it’s...

(…and how to tell which one is right for you) 1. Full disclosure: we’re biased—here’s why I’m Joe Boughan, CFP® and founder of Parkmount...

Introduction Short-term rentals (STRs) have emerged as a popular investment avenue, offering potential for higher cash flow, tax...

While Massachusetts was recently ranked #1 state to raise a child? It was also ranked #46 best states to retire in by Moneywise. How...

Summary Deciding between Roth and traditional retirement contributions hinges on weighing today’s tax certainty against tomorrow’s...

In today’s dynamic financial landscape, making well-informed decisions about your money goes far beyond simply following a set of “great”...

Introduction Choosing the right financial advisor is one of the most important decisions you can make for your long-term financial...

Tony Robbins is a name synonymous with personal development, known for his New York Times best-selling books and life-changing...

Navigating the complexities of retirement planning is much like running a marathon—it requires endurance, careful pacing, and a...

Every year, I make it a priority to read at least one book per month to broaden my understanding of economics, financial markets, and...

Special Blog Post for RTX and Raytheon Employees that need to evaluate their retirement planning.

Planning for your financial future is one of the most important decisions you’ll make, especially as you approach retirement or work to...