To watch this episode on YouTube visit: https://www.youtube.com/watch?v=hjgy6pUjJCE   In this episode Chris Hammond discusses how different types of accounts are taxed differently, and how this impacts your retirement, and how you can use it to your advantage if you understand the differences.     To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

To watch this episode on YouTube visit: https://www.youtube.com/watch?v=VtXhQdrecp4   In this episode Chris Hammond shows you how to navigate your retirement journey and what tools you have available to do so.     To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

To watch this episode on YouTube visit: https://www.youtube.com/watch?v=Bs_IAlHbjLs   In this episode Chris Hammond discusses an article that shows the woes that Aretha Franklin's heirs are going through with her estate. And what are some steps we could all take to help avoid these same things in our own situation.     To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

To watch this episode on YouTube visit: https://www.youtube.com/watch?v=AwuliwW7jt4   In this episode Chris Hammond talks about New Year's resolutions, why they often fail and how you can stay on track with yours.     To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

To watch this episode on YouTube visit: https://www.youtube.com/watch?v=8sBIOR9RvYU   In this episode Chris Hammond goes over a quick guide to annuities to help you see if it makes sense to own one, and if so which one is the right one for you.   To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

To watch this episode on YouTube visit: https://www.youtube.com/watch?v=f1MAl4PEgfc   In this episode Chris Hammond goes over how to tell if a Roth IRA conversion makes sense for you.   To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

To watch this episode on YouTube visit: https://www.youtube.com/watch?v=8DY6xGToUj8   In this episode Chris Hammond shows you how winning at amateur tennis is similar to winning at the long-term investing game.     To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

To watch this episode on YouTube visit: https://youtu.be/7BIfMjQN5AU   In this episode Chris Hammond goes over some end of year tax "to-do's" you might want to look into.   To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

To watch this episode on YouTube visit: https://www.youtube.com/watch?v=lRF4rhdNtRY   In this episode Chris Hammond discusses the main types of annuities on the market today. And how to understand which one could be the best one for you.    To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

To watch this episode on YouTube visit: https://www.youtube.com/watch?v=zfJqfZdocAQ   In this episode Chris Hammond shows you how to avoid the 10% penalty for withdrawing funds early from a retirement account.   To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I’m not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.