Valenta Capital Management, LLC

"Retirement no longer feels far off for Generation X – those born between 1965 and 1980. A fortunate few may have already exited the workforce and many more will follow in the next two decades."

Some Gen Xers can start dipping into retirement savings without penalty, but should you? Accessing life savings is about to get a lot cheaper for some members of Generation X, but that doesn't mean now is the time to crack open nest eggs.

Summer may be winding down, but you can still bring the heat in your financial plan all year long! Let’s gear up for a successful fall by revisiting your portfolio to see where we can set your next milestones for the upcoming season. Contact us today to schedule your consultation!

Ever considered phased retirement? It's a smart way to ease into your golden years by gradually reducing work hours while still earning. This approach keeps your income steady and lets you enjoy more leisure time. Ready to explore this option? Let's chat about your retirement plans!

We're here to answer all your retirement questions!

It's National Golf month! ⛳ Golf is just one of many hobbies and activities you can make more time for when you're secure in your retirement finances. Be sure to consistently check up on your retirement savings and investment strategies. Raise your financial literacy and then hit the links and lower your handicap!

In celebration of National Book Lovers Day, let's dive into the world of financial planning with a good read! Whether you're dreaming of a secure retirement or looking to navigate the financial headwinds ahead, there's a wealth of knowledge waiting for you in the pages of a book. 📚💡

Here's a retirement tip for you!

Here's your retirement word of the day!

Read the article for answers to six key questions on what might happen with Social Security in the future.

Social Security's problems aren't going away. What's it mean for your retirement benefits? One key Social Security trust fund could run out of reserves in a decade. A new report outlines 6 questions to answer to plan your retirement.

Today marks the start of the 2024 Summer Olympics! Just like athletes going for a gold medal, your financial plan takes dedication, endurance, and a goal-oriented mindset. Contact us today to start your race to retirement! 🏅

We're here to answer all your retirement questions!

During the summer months in your retirement, take advantage of the longer days and warmer weather to explore cost-effective retirement hobbies like gardening or hiking. Not only do these activities keep you active and engaged, but they also help you save on entertainment expenses!

Here's your retirement word of the day!

Today in History: Apollo 11 lifted off from the Kennedy Space Center, beginning a four-day journey to the moon. Have you begun your retirement journey yet? Whether it's a round-trip to the moon or a one-way walk to the beach, it's best to have a plan in place.

Here's another retirement tip for you!

🚗💨 When you just can't wait to leave the 9 to 5 grind behind and dive into retirement!

Ready to take the exit to your dream retirement? Let's map out your financial plan together! Contact us today for a complimentary consultation and get on the fast track to financial confidence.

The 4% withdrawal rule calls for retirees to withdraw that portion from their investment portfolio in the first year of retirement. In each subsequent year, the amount of those withdrawals is adjusted for inflation.

Is it time to rethink the 4% retirement withdrawal rule? Experts weigh in Many baby boomers face a challenge of how to maintain their lifestyle once they retire.

Ready to take the next step in your financial journey? Contact us to get started with a complimentary consultation!

Enjoy the fireworks, family, and festivities today, and remember, financial confidence is within your reach! 💥

Wishing everyone a safe and happy Independence Day!

Here's a retirement tip for you!

Start finding the answers to some of the biggest, and most important, retirement questions with this book list.

The 7 Best Retirement Books Start finding the answers to the biggest, and most important, retirement questions with this book list.

June is Great Outdoors Month! It's a great time to reconnect with your surroundings and recharge your spirit. The same line of thinking can be a great boost for your retirement planning. Whether it's time to try something new or simply checking in to reassure yourself that your plans and current actions are aligned, use Great Outdoors Month to put some sunlight and fresh air on your retirement strategy.

We're here to answer all your retirement questions!

On this Memorial Day, we reflect on the values of courage, service, and sacrifice that guide us in all that we do.

Today is National Scavenger Hunt Day! While you're out looking for hidden treasure, think about how hard you might be looking to get the most out of your retirement.

A recent survey was crafted to see how many people have taken advantage of the CARES Act changes. The report shows low usage of CRDs.

How COVID-19 Has Changed Retirement Planning The global COVID-19 pandemic has touched virtually every aspect of our lives, not least of which is how we save for retirement.

Gen Z is driven to be financially aware and well. Are you offering benefits that will attract these up and comers? You might be surprised to learn the top benefits sought out by this group.
https://www.plansponsor.com/gen-z-outpacing-age-groups-saving/

Employees may need a little help as they begin returning to work, here are a few tips from SHRM.

How to Manage the Mental Health of Returning Employees As people begin to filter back into workplaces, managers and HR should anticipate they will have lots of mixed emotions: happiness that they are getting back to work and seeing colleagues; fear of getting sick or bring the coronavirus home to their fami

Remaining disciplined: A historical perspective can offer investors peace of mind and why it's important to take the long view.

Vanguard says DC losses not so bad in long-term view The market declines investors faced in the first quarter are much more muted when compared to longer time frames.

CRD Tax Update: state and local taxes may differ from federal tax treatment.
https://www.plansponsor.com/dont-let-participants-surprised-taxes-emergency-distributions/

Lessons about diversification: Insights about participants near retirement.
https://www.plansponsor.com/in-depth/current-volatility-shows-weaknesses-tdfs/

Which Paycheck Protection Program (PPP) Expenses Are Eligible for Forgiveness?

Which Paycheck Protection Program Expenses Are Eligible for Forgiveness? Many small businesses must rely on payroll-protection loans to keep workers on board during the coronavirus pandemic—and they need to carefully plan and track their spending if they intend to apply for loan forgiveness. Here's what employers need to know.

Plan Sponsors: Consider taking these 7 sensible steps to help protect 401(k) plans from potential cybersecurity breaches.

7 Sensible Cybersecurity Steps for 401k Plan Sponsors - 401K Specialist Cybersecurity breaches of retirement plan participant accounts have occurred with increasing frequency in recent years. Here's why and what to do about it.

Have questions about CARES Act provisions? The IRS answers 14 top retirement plan and IRA related questions.

Coronavirus-related relief for retirement plans and IRAs questions and answers | Internal Revenue Service Section 2202 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), enacted on March 27, 2020, provides for special distribution options and rollover rules for retirement plans and IRAs and expands permissible loans from certain retirement plans.

QDIAs may keep participant assets on a path for growth during downturns.
https://www.plansponsor.com/in-depth/qdias-best-place-participant-assets-downturns/