Iowa Retirement Benefits & Solutions

10/16/2026

No one knows exactly what the market will do next & your retirement plan shouldn’t depend on guessing correctly.

A strong retirement strategy considers the good years, the bad years, & everything in between.

Because when you have a plan for volatility, you’re less likely to let volatility change the plan.

10/15/2026

10/13/2026

You’ve spent decades building your retirement savings. But what happens when it’s finally time to start spending it?

In our latest blog, we walk through a hypothetical couple approaching retirement with $800,000 saved and show how we might think through questions like:

-Where should their retirement income come from?
-When should they claim Social Security?
-Should they consider Roth conversions before retirement?
-How can they protect themselves from a market downturn early in retirement?
-How could their income decisions affect Medicare premiums?

The biggest takeaway? A retirement account balance isn’t the same thing as a retirement income plan.

A hypothetical case study: how a couple turned $800k into $58k+ of guaranteed annual income using an income annuity, Roth conversions, and smart Social Security timing.

10/09/2026

April is tax-filing season. October through December can be tax-PLANNING season.

There’s a big difference.

By the time you file your taxes, many of the decisions that could have affected your tax bill have already been made.

Before December 31, you may still have opportunities to manage taxable income, complete a Roth conversion, realize gains or losses, make charitable gifts, or take required distributions.

The goal isn’t simply to pay the least amount of tax this year.

The goal is to make smart tax decisions throughout retirement.

Have questions about your year-end retirement tax strategy? Give our office a call.

10/01/2026

8 Financial Moves to Make Before Year- End -

The question isn't always "Should I convert?" It's often "How much should I convert?" If your income is lower this year, you may have an opportunity to convert IRA dollars at a favorable tax rate. But converting too much can affect your tax bracket and future Medicare premiums, so the amount matters...

09/23/2026

When should you retire?

It’s not always about reaching a certain age or hitting a magic number in your account.

The better question is: When do your finances, lifestyle, and goals all line up?

Our latest blog walks through what to consider when deciding if it’s finally time to retire. 👇

When should you retire? The better question is whether you're financially and personally ready. Retirement isn't about reaching a certain age—it's about having a plan that supports your lifestyle. Before choosing a retirement date, make sure you've thought through your income, Social Security, hea...