Wealth Management | True North Financial Advisors, Inc

What Impact Does Chronic and Custodial Healthcare Costs Have on Retirement?

Written by Stephen Ostrofsky, CFP® During a recent client meeting with a client, we reviewed their retirement benefits designed to provide for health care costs during retirement. The retirement benefits provided significant sums to my client, but was it enough to offset expected health and custodial care costs? What we found is that many retirees…

FRS Investment Plan Participants Can Obtain Personalized Investment Advice through Self-Directed Brokerage Accounts

Written by Stephen Ostrofsky, CFP® The pursuit of personalized investment advice might seem elusive for many Florida Retirement System (FRS) Investment Plan participants. For many, the Self-Directed Brokerage Accounts (SDBAs), has gone unnoticed by PBSO deputy sheriffs and employees since 2014. In January 2014, the FRS announced the SDBA option for FRS Investment Plan investors to provide greater…

Law Enforcement Professionals Face Significant Risks from Uninsured Health and Custodial Care Costs in 2019

Written by Stephen Ostrofsky, CFP® During a recent client meeting with a PBSO deputy, we reviewed their employer benefits designed to subsidize health care costs during retirement. The retirement benefits provided significant sums to my client, but was it enough to offset expected health and custodial care costs? What we found many retirees face significant…

Reminder to First Responders – Tax Relief from Early Retirement Withdrawal Tax Penalties

Written by Stephen Ostrofsky, CFP® Even today, many deputy sheriffs and firefighters that I meet with are still unaware of changes in tax laws that provide significant tax relief from IRS penalties levied against pre-591/2 withdrawals made from certain employer sponsored retirement plans. The Trade Priorities and Accountability Act of 2015 (H.R. Bill 2146), also…

Category Archives: Wealth Management

What Impact Does Chronic and Custodial Healthcare Costs Have on Retirement?

FRS Investment Plan Participants Can Obtain Personalized Investment Advice through Self-Directed Brokerage Accounts

Law Enforcement Professionals Face Significant Risks from Uninsured Health and Custodial Care Costs in 2019

Reminder to First Responders – Tax Relief from Early Retirement Withdrawal Tax Penalties

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