SJ Boyle Wealth Planning

10/14/2026

Having a substantial nest egg of $1 million, $3 million, or even $10 million is an incredible accomplishment. The next question: how will you turn that wealth into a retirement income strategy?

Retirement changes the way you think about your money. After years of saving and investing, your focus shifts to creating a plan for using your assets wisely.

A retirement income plan may address questions like:

- How much should you withdraw each year?
- Which accounts should you draw from first?
- How can you manage taxes throughout retirement?
- How can your portfolio support your lifestyle while accounting for future needs?

Building wealth takes years. Creating a strategy for using that wealth can help you make informed decisions throughout retirement.

Learn how retirement income planning can help you make the most of the assets you’ve built:

Expert retirement planning for individuals 50+ with $1M+ in savings. Tax-efficient income strategies, optimized investments, and legacy planning for 30 years in Hanover, NH.

10/12/2026

You’re retired and you have significant wealth built over decades. So why does spending money still feel uncomfortable?

This is sometimes called the saver’s paradox.

After years of working, saving, and investing, many retirees become focused on preserving their assets and may struggle to enjoy the wealth they’ve created.

The habits that helped you build wealth don’t always apply the same way in retirement. The question shifts from “How much can I save?” to “How can I use my resources to support the life I want?”

A retirement income strategy can help you evaluate spending, investments, taxes, and future needs so your wealth supports your retirement objectives.

Building significant wealth takes years of discipline. Having a plan for using that wealth can be just as important.

10/07/2026

If you own a business and are thinking about retirement, do you have a succession plan?

For many business owners, their company is one of their largest assets. But transitioning out of the business takes more than deciding when to step away.

A strong succession plan can help address important questions:

- Who will take over the business?
- How will ownership transition?
- What role will you play after the transition?
- How does the business fit into your overall retirement plan?

Planning ahead can help you make informed decisions about one of the biggest assets you’ve built.

Your business represents years of hard work. Start a conversation about how it fits into your retirement plans: go.sjboylewealthplanning.com/consult-schedule

10/05/2026

The Fed raised interest rates by 0.25%. What does that mean for retirees?

A small rate increase can have a ripple effect on different parts of your financial picture.

Higher rates may create opportunities for cash and savings accounts, while also affecting bond values and borrowing costs. Retirees with variable-rate debt or a large portion of their portfolio in fixed income may want to review how these changes fit into their overall retirement strategy.

Interest rate decisions are one piece of a much bigger financial picture. Your response should depend on your income needs, portfolio, and long-term objectives.

Want to learn how your investments fit into your broader retirement plan? Visit SJ Boyle Wealth Planning to explore their investment management approach:

Expert retirement planning for individuals 50+ with $1M+ in savings. Tax-efficient income strategies, optimized investments, and legacy planning for 30 years in Hanover, NH.

10/02/2026

High-income retirees can be caught off guard by a letter, but it’s not from the IRS. Coming from Social Security, it says your Medicare premium just went up, sometimes by hundreds of dollars a month, because of income you earned two years ago. In this short video, I explain how the IRMAA surcharge works, why it’s hardest on people who saved well, and what you can still do about it. Watch now. Link in the comments.

Earlier this year, I wrote a blog post about the timing gap between...

09/30/2026

Should I help my adult children financially?

That’s a tough decision many wealthy parents struggle with.

You want to help. But you also want your children to be responsible, independent, and able to stand on their own.

The answer isn’t an easy yes or no.

It’s about how you help, when you help, and setting expectations around that support.

You can help support your adult children financially while still encouraging independence and responsibility.

Are you wondering how much to give and the best way to do it? Schedule a meeting and let’s talk through what makes sense for your family: go.sjboylewealthplanning.com/consult-schedule

09/28/2026

“We’ve been clients for over 10 years, and working with SJ Boyle Wealth Planning has been an excellent experience from the start. Sally is professional, proactive, and truly detail-oriented. I always appreciate how clearly she explains things. She makes everything easy to understand and never leaves us with unanswered questions. Most importantly, she is someone we trust completely." — Elaine

Thank you, Elaine, for sharing your thoughts. We truly appreciate having you as a client, and your words mean so much to us.

Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

09/23/2026

You’ve always been responsible with money. That’s what helped you build the kind of wealth that allowed you to retire early.

When you think about your legacy, you want to leave that wealth to people who can steward it as well as you did.

But not every family member is ready to handle a large inheritance.

Trusts can help you leave them a piece of your wealth with guardrails around how and when the money is distributed.

If you're interested in discussing ways to structure your legacy, we invite you to schedule a conversation with us:

Expert retirement planning for individuals 50+ with $1M+ in savings. Tax-efficient income strategies, optimized investments, and legacy planning for 30 years in Hanover, NH.

09/21/2026

More isn’t always better when it comes to financial planning. As your wealth grows, you may end up with more accounts, more investments, more tax considerations, and even more passwords to keep track of, which can make your financial life feel fragmented.

Consolidating old accounts and organizing important documents into one system can go a long way toward creating more cohesion across your finances and your life.

Would you like to see what better coordination could look like across your investments, legacy planning, and taxes? Let’s talk: go.sjboylewealthplanning.com/consult-schedule

09/19/2026