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Insights
Practical guidance on tax, estate, retirement, and investment planning — written by Garth Vickers and the VFG team.
Retirement
NoVA federal employees often have the best retirement benefits in America — and the most complicated tax picture in retirement. Here's how to plan it.
Retirement
Roth conversions are not always the right answer for affluent households. Here is the decision framework we use to size, time, and stage conversions between retirement and RMDs.
Wealth Management
Annuities and IUL get oversold by commission-driven agents and dismissed wholesale by fee-only purists. The honest answer lives in the middle.
Tax
Most Roth conversion calculators ignore state tax. In Maryland, that omission can cost six figures over a retirement.
Retirement
Most retirement plans focus on the number. The harder work is turning that number into reliable income that survives taxes, inflation, and a 30-year horizon.
Whether you're planning your retirement or coordinating an estate, the first 30 minutes is on us.
