Resources
Articles from Chris Urban, CFP®, RICP®, TPCP®, on retirement income, tax, investment, and insurance planning.
Flat Fee vs Hourly Financial Advisor: How Each Charges
How flat-fee, hourly and percentage-of-assets advisors charge, what each includes, and the limits of each, from an hourly, advice-only planner.
Retirement Tax Planning: A Guide for Ages 55 to 75
Retirement tax planning weighs brackets, Roth conversions, RMDs, Social Security and Medicare IRMAA together. See how each works and where each has limits.
Roth In-Plan Conversion: How It Works for a 401(k)
A Roth in-plan conversion moves 401(k) money to a Roth account in the same plan. See who can do one, how it is taxed, and how it differs from an IRA conversion.
Financial Advisor Hourly Rate: What I Charge
Financial advisor hourly rate: I charge $395 per hour. See Initial Engagement costs for individuals and couples, what drives hours, and what is excluded.
Do Roth Conversions Raise Medicare Premiums? (IRMAA)
A Roth conversion adds to taxable income and may raise your Medicare premiums two years later. Learn how the IRMAA lookback and income tiers work.