Frequently Asked Questions

Here are some of the most frequently asked questions we receive involving - employer benefits, employer sponsored plans, small business group health insurance, personal financial planning, wealth management and a few others. We hope you find this information helpful

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For Individuals & Pre‑Retirees

1. How much money do I need to retire comfortably?

The right number depends on your lifestyle, spending habits, and long‑term goals. Instead of guessing, we help you calculate a personalized retirement target based on your income needs, expected expenses, and the life you want to live. This gives you a clear, confident path forward.

2. When should I start taking Social Security benefits?

3. How do I know if I’m on track for retirement?

4. What’s the best way to create reliable income in retirement?

5. How should I adjust my investments as I get closer to retirement?

6. How can I reduce taxes on my retirement income?

7. What should I do with my old 401(k) or employer retirement plans?

8. How do I plan for rising healthcare costs in retirement?

9. What’s the difference between a traditional IRA and a Roth IRA?

10. How do I make sure my spouse or family is protected if something happens to me?

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

Investors Edge Financial and LPL Financial do not provide legal or tax advice. Please consult with your tax or legal advisor regarding your personal situation.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

For Small Business Owners

1. What benefits are most important for attracting and retaining employees today?

Employees value retirement plans, health insurance, paid time off, and financial protection benefits like life and disability insurance. We help you build a competitive package that fits your budget and strengthens your team.

2. How much should a small business budget for employee benefits?

3. What types of retirement plans are available for small businesses?

4. How do I know which retirement plan is right for my company?

5. What are my legal responsibilities when offering employee benefits?

6. How can I simplify the administrative workload of managing benefits?

7. What insurance options should I consider—health, life, disability, or all of the above?

8. How do employee benefits impact company taxes?

9. What’s the best way to communicate benefits to my employees?

10. How can a financial advisor help me design and manage a competitive benefits package?

Investors Edge Financial and LPL Financial do not provide legal or tax advice. Please consult with your tax or legal advisor regarding your personal situation.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.