Engler, Garrow & Roth, Ltd

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Yours, Mine, and Ours: Estate Strategies for Second Marriages Second marriages are a trigger event to revisit any existing estate strategies.

What a great Labor Day Event for the city of Morenci! Thank you to Matt and Renee for making the historic walk while representing EGR! 🇺🇸

Morenci's Labor Day bridge walk experiences 'wonderful weather,' 'even better turnout' Morenci’s much smaller version of the Mackinac Bridge Labor Day Walk was held Monday, Sept. 2 for the 30th year along the Silver Creek Bridge.

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Financial Considerations and Benefits of a Destination Wedding Planning a wedding is an exciting experience that celebrates love and commitment while marking a significant life milestone. However, this exciting time also comes with financial considerations, from choosing between a local ceremony or a destination wedding to managing the overall budget.

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How to Avoid the 'Widow's Penalty' After the Loss of a Spouse Widows and widowers may see their tax bill rise, even if their income declines.

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Planning for the Arrival of a Child: Embracing Life’s Surprises and Financial Preparedness The journey to parenthood is unpredictable, but embracing change and staying adaptable can make the experience more manageable and enjoyable. As you prepare for the arrival of your little one, remember that no financial plan is foolproof.

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How a Roth Conversion Can Spare You From Medicare’s IRMAA and Taxes If you've been a good saver and face large required minimum distributions (RMDs), then you need to plan for how to head off or limit higher Medicare premiums.

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Mastering Social Security Unlock Your Path to a Secure Retirement Understanding if your Social Security benefit will be adequate to either supplement or solely provide a secure retirement depends on a variety of key factors. However, research from Fidelity estimates many retirees will likely need to rely heavily on their personal savings and pension income to repl...

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Retirement Planning for Single Women and Having Enough Money For Retirement Single professional women may have unique challenges when it comes to planning for retirement. By having a plan of action and a knowledgeable guide in a CERTIFIED FINANCIAL PLANNER® professional, single women can have a personalized retirement plan and a resource who can help you navigate complex f...

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Social Security Login Changes Taking Effect Soon The Social Security Administration will soon transition beneficiary accounts to the Login.gov platform.

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U.S. Department of Education Announces Schedule and New Process to Launch 2025-26 FAFSA Form | U.S. Department of Education The U.S. Department of Education (Department) today announced that the 2025-26 Free Application for Federal Student Aid (FAFSA® form) will be launched through a new process. Starting on October 1, the Department will release the 2025-26 FAFSA form for testing with a limited set of students and inst...

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IRS Ends Inherited IRA Confusion: Annual RMDs Required for Many New final rules resolve a major point of uncertainty for inherited IRA beneficiaries. Here's what you need to know.

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Financial Planning Challenges of Families Raising Children With Special Needs Work with your CFP® professional to ensure you have assembled a team of professionals and support networks that includes the appropriate medical professionals, therapists, social workers and legal advisors with an eye to special needs. Family members, particularly those involved in daily care or de...

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Retirement Seen Through Your Eyes What's your vision of retirement?

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From Windfall to Wealth: Financial Strategies for Lottery Winners How financially disciplined can you be, from a budgeting and an investment standpoint? If you were to simply spend down your lottery winnings in five years or invest poorly and earn a very low or negative return, then you may look back and realize an annuity might have been the better financial choi...

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Before Doing a Roth Conversion, Evaluate These Three Thresholds To avoid getting flattened by higher taxes or Medicare premiums related to Roth conversions, make sure you look both ways on your tax rates.

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Achieving Financial Freedom in Your 50’s While Planning For Retirement and Expenses It’s important to take proactive financial steps now, such as eliminating debt including credit card debt and any other significant debt that could get in the way of arriving at your retirement savings number (the amount of savings you will need to cover your projected retirement expenses).

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What Is a Roth IRA? And why would you or anyone want to consider parking some of your retirement savings in one?

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How To Discuss Estate Planning And Wills With Aging Loved Ones In Our Family To ensure a productive conversation, preparation is key. Whether you plan to initiate the conversation privately with family or with the support of a CERTIFIED FINANCIAL PLANNER® professional, approach these conversations with sensitivity, respect and a willingness to support.

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Social Security: Maximizing Benefits There are other ways to maximize Social Security benefits, in addition to waiting to claim them.

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Trends and Buzzwords: A Modern Glossary for Your Finances Budgeting Joining the FIRE Movement In this trend, people share online their journey to becoming debt-free, whether through working a second job or spending less and saving more, with the ultimate goal of being part of the “FIRE” movement. Participants in the FIRE movement, or the “Financial Independence, Retire Early” strateg...

All of us at wish you a safe and enjoyable Day! Blessings on your celebration of the freedoms we enjoy in the U.S.A.

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Key Considerations for a Warm Weather Retirement Move Many people dream of packing up and moving to somewhere sunny with warmer weather to spend their retirement. However, it's essential to consider several factors before making such a retirement move: aspects like healthcare accessibility, cost of living, taxes, social networks and proximity to family...

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Why Your Business Shouldn’t Be Your Only Retirement Plan You can’t depend on selling your company for big bucks to fund your dream retirement. Instead, consider these three smart saving, investing and succession tips.

As we maintain our commitment to helping our clients strive toward their financial goals in an ever-changing world, we are pleased to announce our new partnership with MarketShare Financial and Osaic Wealth.

Osaic Affiliate Welcomes Engler, Garrow & Roth, Ltd., and Hartmann•Bogan Financial Planning /PRNewswire/ -- Osaic, Inc. ("Osaic"), one of the nation's largest providers of wealth management services, today announced the additions of Engler, Garrow &...

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Creating a Stream of Passive Income Financial and Resource Considerations for Creating A Stream Of Passive Income

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Calculating Taxes on Social Security Benefits The federal government can tax up to 85% of your Social Security benefits, so it's good to know how those taxes are calculated.

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Insights on Planning for Homeownership Mortgages and Interest Rates It’s important to shop around for the best interest rates and consider locking in a favorable rate when you find one. Weigh the pros and cons of buying now versus waiting with the help of a CFP® professional. Waiting might mean higher mortgage rates or prices later, but buying now locks in your c...

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Roth IRA for Kids Learn about the benefits and requirements of opening a Roth IRA for kids.

Financial Planning for Teachers - Take Some Time to Focus on Yourself and Your Future this Summer

Mastering Finances in the Classroom and Beyond: Financial Planning for Teachers But while you and your fellow teachers are busy educating the leaders of tomorrow, you may need help securing your own financial future. Teachers may face specific financial challenges, such as irregular income streams (especially during summer breaks) and limited retirement benefits.