Can You Help Pay for School and Still Fund Your Own Retirement
Thinking about helping your child or grandchild pay for college?
Before making that generous gift, ask yourself 3 important questions:
✅ Can my retirement plan support this decision?
✅ Am I using the right source of funds?
✅ Have I had the right conversation with my family?
Helping the next generation is impactful, but the way you give matters.
A little planning today can help you support your family while safeguarding the retirement you’ve worked hard to build.
Found an Old Stock Certificate? Here Is What to Check Next
If a paper stock certificate turned up in a parent’s filing cabinet or an old safety deposit box, do you know the answer to this question: Is it worth anything, and what should you do before you find out? In this quick video, T. Ray Baker walks through what an old stock certificate actually represents, […]
What Is Sequence-of-Returns Risk?
Most retirement advice says to withdraw from taxable accounts first, then tax-deferred, and finally Roth accounts. But that simple rule doesn’t always fit every plan.
The Retirement Paycheck: How to Build Income That Lasts
Plano & Nacogdoches financial advisors of The Baker Team help multigenerational families in Texas with retirement planning & tax-smart retirement withdrawals.
You Only Retire Once: Why Timing Matters More Than You Think
You’ve spent 30, maybe 40 years getting this right. You saved when your friends didn’t. You lived below your means. You built something real.