Catanzarite Financial Services

10/13/2026

https://www.retireonyourterms.blog/the-widow-tax-a-retirement-tax-problem-couples-often-miss/

Most couples plan for retirement together. They think about Social Security, investment income, required minimum distributions, healthcare costs and how much they can comfortably spend. But there’s another scenario that deserves attention: What happens financially when one spouse dies? One often-o...

10/09/2026

https://www.retireonyourterms.blog/whos-coordinating-your-retirement-plan/

Most successful people don’t have a shortage of financial professionals. They may have a financial advisor managing investments, a CPA preparing taxes, an attorney handling estate documents, and perhaps an insurance or Medicare specialist. On the surface, that can feel like everything is covered. ...

10/06/2026

https://www.retireonyourterms.blog/p/6776d8df-a190-4ba6-99d7-4c9f59be2bdc/

Most people approaching retirement have accumulated a variety of financial pieces over the years. They may have a 401(k), IRAs, brokerage accounts, Social Security, insurance policies, a will or trust, and relationships with a CPA, attorney, or financial advisor. But having all of those pieces does....

10/02/2026

https://www.retireonyourterms.blog/medicare-and-taxes-what-retirees-need-to-know/

Every fall, retirees review their Medicare coverage. They compare premiums, prescription plans, provider access, and out-of-pocket costs. But there is one part of Medicare planning that is easy to overlook: Your tax decisions can affect what you pay for Medicare. That is why Medicare planning and ta...

09/29/2026

https://www.retireonyourterms.blog/the-medicare-decision-you-make-in-2026-could-cost-you-in-2028/

Most people think of Medicare planning and tax planning as two separate decisions. They aren’t. Medicare uses your income from two years earlier to determine whether you’ll pay an Income-Related Monthly Adjustment Amount, better known as IRMAA. That means financial decisions you make in 2026 cou...

09/25/2026

https://www.retireonyourterms.blog/what-happens-to-your-retirement-paycheck-when-the-market-falls/

While you’re working, a market decline can be uncomfortable. In retirement, it can be something more—the money that’s falling may also be the money you’re depending on to fund your lifestyle. That creates a challenge many retirees overlook. If your retirement paycheck depends heavily on sell...

09/18/2026

https://www.retireonyourterms.blog/having-an-advisor-isnt-the-same-as-having-a-retirement-plan/

Many people approaching retirement already have a financial advisor. They have investments. They may have a CPA, an estate plan, insurance and a Social Security strategy. But here’s an important question: Do all those pieces actually work together? Retirement changes the job of your money. It’s ...

09/11/2026

https://www.retireonyourterms.blog/cant-this-wait/

Procrastination is funny. A recent article prompted readers to share things they had not “gotten around to.” Here are a few examples: * A bathroom that began its redecoration twelve years ago is still not painted. Oh, that hurts! * In September, the Christmas tree is still up from the year befor...

09/11/2026

Patriot Day

09/07/2026

Happy Labor Day.