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Pre-Retirees & Retirees

A red pushpin is pinned on the 30th of a calendar, which corresponds to a Friday. The date is crossed out with a red "X" and the word "RETIRE" is written in red above the date.

Setting Your Retirement Date: Are You Too Late or Too Early?

January 11, 2022

How much thought have you put into your retirement date? If you said “not that much,” then you are in good company. Most people simply assume they’ll retire whenever they become eligible for Social Security benefits. However, it doesn’t have to be that way. There’s a lot more that goes into retirement planning than just your age. According to a study conducted by Columbia Business School’s Center for Decision Sciences, the act of thinking about

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Do Not Fear the Bubble

November 16, 2021

Does the massive run-up in stocks have you concerned? It’s OK to nod your head. The fact is that many people are worried as we head into the 2021 holiday season. The MSCI ACWI index, which measures the global equity market, has almost doubled since March 2020 (Exhibit 1). This has some investors (and TV pundits) exclaiming that the stocks are officially in a bubble. Fear-mongers often look at trailing returns in isolation — then

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A hand holding a magnifying glass focuses on a burlap sack labeled "PENSION." The sack is placed on a table with scattered coins in front of it. A calculator is visible in the background.

The Role of Pensions in Planning for a Retirement

April 30, 2021

Financial security in retirement is an important target for most working-age adults. There are many ways to reach that goal. An employer-sponsored retirement plan often comes in the form of a defined contribution plan, where employees contribute pre-tax or Roth dollars from their paycheck to a retirement account and select the investment optionsto help grow the balance. Many employers offer to match a certain level of contributions to encourage participation in the plan (and to

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How to Avoid a Large Tax Bill: Withhold Taxes from Social Security Benefits

November 18, 2020

Social Security Considerations Have you elected Social Security benefits? Although some Americans pay zero tax on Social Security benefits, many are subject to income tax on a portion of benefits, with a maximum of up to 85% of benefits paid. If you receive other sources of income (such as wages, interest, dividends, IRA distributions, and pensions), you may be surprised to find out your total income can result in a higher portion of Social Security

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A large red question mark sits atop a pile of U.S. hundred-dollar bills, signifying financial uncertainty or queries about retirement plan fees and money.

Retirement Plan Fees: I’m paying how much to who for what?

August 17, 2020

AARP conducted surveys in an effort to understand just how much 401(k) participants knew about the fees associated with their retirement plans. The results were alarming and showed a wide discrepancy between savers’ expectations and the reality of their 401(k) plan costs. Do 401(k) retirement plans charge fees? The first survey found that 71% of participants believed they didn’t pay any 401(k) fees at all.  Another 6% said they didn’t know if they paid fees

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When Financial "Rules of Thumb" Become Costly

July 15, 2020

Frank and Fiona Eff are a bright couple who saved diligently for their retirement years throughout their adult lives.  Each is 50 years old, their children have been raised and launched, and each loves their respective job at ABC Corporation. Frank and Fiona enjoy the challenges and connections of their work so much that they plan to stay at their careers another fifteen years before enjoying a retirement filled with family, travel, and giving back

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Fort Wayne, IN

(260) 387-6822

7030 Pointe Inverness Way #100,
Fort Wayne, IN 46804

Warsaw, IN

(574) 267-2300

801 Park Avenue,
Winona Lake, IN 46590

Indianapolis, IN

(317) 848-2180

9100 Keystone Crossing #560,
Indianapolis, IN 46240

Mishawaka, IN

(574) 287-0035

4215 Edison Lakes Pkwy Suite 320
Mishawaka, IN 46545

Midland, MI

(989) 631-0244

414 Townsend St # 202,
Midland, MI 48640

Schedule A Meeting

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* SYM Financial Corporation ‘SYM’ is an independent investment advisor registered under the Investment Advisers Act of 1940, as amended. SYM ranked #96 in top fee-only RIA by COMPLY in 2023. This rating is not representative of a client’s experience and is not indicative of future performance. SYM did not pay COMPLY a fee for inclusion in the rankings and data is based on 2023 ADV filings.

The opinions expressed herein are those of SYM Financial Corporation (“SYM”) and are subject to change without notice. This material is not financial advice or an offer to sell any product. SYM reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs. SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees, and objectives can be found in our ADV Part 2, which is available upon request.

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