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# PROSTATIS GROUP, LLC

## Sitemaps
[XML Sitemap](https://prostatisfinancial.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [A Retirement Fact Sheet](https://prostatisfinancial.com/a-retirement-fact-sheet/): Some specifics about the “second act.”
- [Save & Invest Even if Money Is Tight](https://prostatisfinancial.com/save-invest-even-if-money-is-tight/): For millennials, today is the right time.
- [Your 2019 Financial To-Do List](https://prostatisfinancial.com/your-2019-financial-to-do-list/): Things you can do for your future as the year unfolds.
- [Build Your Rainy Day Fund](https://prostatisfinancial.com/build-your-rainy-day-fund/): Like an emergency fund, it can come in handy.
- [Leaving a Legacy to Your Grandkids](https://prostatisfinancial.com/leaving-a-legacy-to-your-grandkids/): Now is the time to explore the possibilities.
- [Back to School: Roth IRA vs. 529 plan. Which is Right For You?](https://prostatisfinancial.com/back-to-school-roth-ira-vs-529-plan-which-is-right-for-you/): Back-to-school season can be a great time to consider how you plan to help your children or grandchildren fund their higher education. 529 plans are a popular savings vehicle, and they will likely continue to gain popularity, as under the changes to the tax law effective earlier this year, distributions can be used to cover the cost of attendance at a public, private, or religious K-12 school in addition to higher education. A Roth IRA can also be a viable option to help fund college expenses. While a 529 plan does come with special tax breaks, a Roth IRA can provide more flexibility, allowing you to earmark as much or as little as you want for higher education expenses. 
- [The Ultimate Retirement Planning Guide for Widows](https://prostatisfinancial.com/the-ultimate-retirement-planning-guide-for-widows/): Widows are one of the fastest growing demographic groups in the United States, with 11 million women and growing. The death of a spouse is one of the hardest things a person can go through. Along with all the emotional struggles of losing a spouse, many times it also brings major financial changes. Widows often have unique financial circumstances which can be overwhelming at times and require many decisions to be made. If you’re a widow and are uncertain about how to plan for the road set before you, here are some tips to help you on your journey.
- [Managing Money Well as a Couple](https://prostatisfinancial.com/managing-money-well-as-a-couple/): What are the keys in planning to grow wealthy together?
- [How Retirement Spending Changes With Time](https://prostatisfinancial.com/how-retirement-spending-changes-with-time/): Once away from work, your cost of living may rise before it falls.  
- [Annuities for Retirement Income](https://prostatisfinancial.com/annuities-for-retirement-income/): Why seniors choose them, and what prospective annuity holders should consider.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses Tax Efficiency in Retirement](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-tax-efficiency-in-retirement/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses Tax Efficiency in Retirement.
- [Tax Efficiency in Retirement](https://prostatisfinancial.com/tax-efficiency-in-retirement/): How much attention do you pay to this factor?
- [Could the Premature Loss of Your Spouse Devastate Your Retirement?](https://prostatisfinancial.com/could-the-premature-loss-of-your-spouse-devastate-your-retirement/): Have you ever thought about what would happen to your finances if you lost your spouse prematurely? Most people avoid this topic, and understandably so. We don’t want to dwell on things that cause us emotional distress, but what we don’t realize is that by avoiding the topic, we could be setting up our financial life for disaster.
- [A Retirement Gender Gap](https://prostatisfinancial.com/a-retirement-gender-gap/): Why a middle-class woman may end up less ready to retire than a middle-class man.
- [Is Your Retirement Plan Ready for a Market Downturn in 2018?](https://prostatisfinancial.com/is-your-retirement-plan-ready-for-a-market-downturn-in-2018/): If you’ve kept an eye on the markets in the past year, you know that 2017 was a banner year for stocks. In fact, both the Dow Jones and the S&P 500 celebrated the launch of 2018 by reaching record highs (1) and until the beginning of February 2018, we were experiencing the second longest bull market since 1929.
- [How Could Tax Changes Affect Your Financial Plan](https://prostatisfinancial.com/how-could-tax-changes-affect-your-financial-plan/): After months of debating and revising, Congress closed out 2017 by passing the new Tax Cuts and Jobs Act on Wednesday, December 20, 2017, which was subsequently signed into law by President Trump. Since the campaign trail, President Trump has promised tax reform, and this bill entails a number of changes to the U.S. tax code that will impact both corporations and individuals.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses Retirement Questions That Have Nothing to Do With Money](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-retirement-questions-that-have-nothing-to-do-with-money/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses Retirement Questions That Have Nothing to Do With Money.
- [Retirement Questions That Have Nothing to Do With Money](https://prostatisfinancial.com/retirement-questions-that-have-nothing-to-do-with-money/): Think about these matters before you leave work for the last time. 
- [For Retirement, Income Matters as Much as Savings](https://prostatisfinancial.com/for-retirement-income-matters-as-much-as-savings/): A recent poll of pre-retirees suggests that truth risks being ignored.
- [Love and Money: Financial Planning Considerations for Couples](https://prostatisfinancial.com/love-and-money-financial-planning-considerations-for-couples/): If you do a simple search on the topic of relationships and finances, you’ll come across many sobering statistics. For example, you’ll find that money is the primary reason for arguments between couples, with many couples averaging three fights per month revolving around financial issues. You’ll also learn that 3 in 10 married adults admit to potentially deceitful behavior about money and that disagreements about finances are the most common predictors of a future divorce.
- [Good Reasons to Retire Later](https://prostatisfinancial.com/good-reasons-to-retire-later/): Working longer might work out well for you.
- [The Retirement Mindgame](https://prostatisfinancial.com/the-retirement-mindgame/): Your outlook may influence your financial outcome.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses The Retirement Mindgame](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-the-retirement-mindgame/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses The Retirement Mindgame.
- [Avoiding the Money Pitfalls of Past Generations](https://prostatisfinancial.com/avoiding-the-money-pitfalls-of-past-generations/): Take these financial lessons to heart.
- [Can We Afford to Live to 100?](https://prostatisfinancial.com/can-we-afford-to-live-to-100/): Our increased longevity poses a retirement planning challenge.
- [Should We Reconsider What “Retirement” Means?](https://prostatisfinancial.com/should-we-reconsider-what-retirement-means/): The notion that we separate from work in our sixties may have to go.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Should We Reconsider What “Retirement” Means?](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-should-we-reconsider-what-retirement-means/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet questions "Should We Reconsider What “Retirement” Means?"
- [How To Talk To Your Family About Your Estate Plan](https://prostatisfinancial.com/how-to-talk-to-your-family-about-your-estate-plan/): If you’ve created an estate plan, you are one step ahead of half of Americans who have yet to do any estate planning at all. But there may be a crucial step that you are unknowingly neglecting, and that is communicating your wishes to your family. Since your loved ones will be affected by your plan and how it is carried out, it’s crucial to start a conversation about the reasons behind your decisions.
- [Does Someone You Know Need a Financial Second Opinion?](https://prostatisfinancial.com/does-someone-you-know-need-a-financial-second-opinion/): You don’t have to be neck-deep in the financial field to know that the markets have been at all- time-high levels recently. Did you know that since the November 2016 election, we’ve had over 50 record-high market closes? Many investors are enjoying significant gains. As a result, even the most wary investors may start to feel pretty comfortable.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Talks About The Republican Tax Reform Plan](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-talks-about-the-republican-tax-reform-plan/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses The Republican Tax Reform Plan.
- [The Republican Tax Reform Plan](https://prostatisfinancial.com/the-republican-tax-reform-plan/): What is in it? What could its changes mean for you, if they become law?
- [When Should You Take Your RMDs?](https://prostatisfinancial.com/when-should-you-take-your-rmds/): Retirement gives you plenty of choices. You can decide when to claim your Social Security, what Medicare coverage to buy, whether you want to travel or stay put, work part-time or relax. One aspect of retirement finances many people think they have no control over is that of required minimum distributions (RMDs), but like everything else, there are some decisions you need to make that could affect your retirement income strategy.
- [Millennials, Do Not Imitate Your Parents](https://prostatisfinancial.com/millennials-do-not-imitate-your-parents/): They invested heavily in what was “hot” and got burned.
- [When Is Social Security Income Taxable?](https://prostatisfinancial.com/when-is-social-security-income-taxable/): The answer depends on your income.
- [5 Signs You Retired Too Early](https://prostatisfinancial.com/5-signs-you-retired-too-early/): The lure of early retirement is enticing, there’s no doubt about it. A 2015 study by the Boston College’s Center for Retirement Research shows us that the average retirement age for men is 62, and for women is 64. (1) But just because you can start tapping into your Social Security benefits at 62 doesn’t mean you should. Why not? Because statistics show that 55% of retirees will not be able to cover basic living expenses as they move through their golden years. (2) If you’ve already taken the plunge into retirement, it’s not too late to make some changes. Take a look at these five signs that you retired too soon:
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses the 5 Signs You Retired Too Early](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-the-5-signs-you-retired-too-early/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses 5 Signs You Retired Too Early.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Will Debt Spoil Too Many Retirements?](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-will-debt-spoil-too-many-retirements/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet asks "Will Debt Spoil Too Many Retirements?"
- [Will Debt Spoil Too Many Retirements?](https://prostatisfinancial.com/will-debt-spoil-too-many-retirements/): What pre-retirees owe could compromise their future quality of life.
- [How Much Do You Know About Social Security? (Quiz)](https://prostatisfinancial.com/how-much-do-you-know-about-social-security-quiz/): Social Security can be complicated to navigate at times, but since it’s so vital to your retirement income plan, it’s important to make wise decisions and create strategies to optimize your benefits.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Talks About Financial Priorities Young Families Should Address](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-talks-about-financial-priorities-young-families-should-address/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses How Long Should a Woman Plan to Work.
- [Financial Priorities Young Families Should Address](https://prostatisfinancial.com/financial-priorities-young-families-should-address/): Wise money moves for parents under 40.
- [Getting (Mentally) Ready to Retire](https://prostatisfinancial.com/getting-mentally-ready-to-retire/): Even those who have saved millions must prepare for a lifestyle adjustment.
- [Before You Claim Social Security](https://prostatisfinancial.com/before-you-claim-social-security/): A few things you may want to think about before filing for benefits.
- [Case Reveals Flaw in Beneficiary Designation Shortcut](https://prostatisfinancial.com/case-reveals-flaw-in-beneficiary-designation-shortcut/): This summary highlights a recent court case which underscores the importance of decisions relating to Beneficiary Designation, and the unfortunate consequences of carelessness. Because the original article was written for the benefit of Financial Advisors, the summarized content has been reworded slightly for you, our valued Clients.
- [What You Need to Know About the Fiduciary Rule](https://prostatisfinancial.com/what-you-need-to-know-about-the-fiduciary-rule/): A quick look at the changes coming for retirement accounts.
- [Top Habits of Financially Successful People](https://prostatisfinancial.com/top-habits-of-financially-successful-people/): Even if you spent your working years being financially wise and building a strong financial foundation, retirement is a time to maintain that foundation, not sit back and let things go. Since taking financial shortcuts won’t get you where you want to be, implement some tried and true financial habits to get you one step closer to financial success and greater peace of mind.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses The Importance of Financial Literacy](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-the-importance-of-financial-literacy/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses The Importance of Financial Literacy.
- [How Will You Spend Your Retirement Savings?](https://prostatisfinancial.com/how-will-you-spend-your-retirement-savings/): Keep an eye on where it goes, as some destinations may be better than others
- [The Importance of Financial Literacy](https://prostatisfinancial.com/the-importance-of-financial-literacy/): Too few Americans understand personal finance fundamentals
- [Have a Plan, Not Just a Stock Portfolio](https://prostatisfinancial.com/have-a-plan-not-just-a-stock-portfolio/): Diversification still matters. One day, this bull market will end.
- [Should You Keep Your Rental Property?](https://prostatisfinancial.com/should-you-keep-your-rental-property/): There’s plenty of buzz about the income possibilities of owning rental property and the opportunity to supplement your retirement with the extra cash, but is owning a rental property a good fit for you as you enter this stage of your life? Let’s look at the advantages and disadvantages of keeping your rental property as an alternative investment.
- [The Rough Consequences of Not Saving for Retirement](https://prostatisfinancial.com/the-rough-consequences-of-not-saving-for-retirement/): Do you really want to risk facing these potential outcomes?
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses The Rough Consequences of Not Saving for Retirement](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-the-rough-consequences-of-not-saving-for-retirement/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses The Rough Consequences of Not Saving for Retirement.
- [Is It Time for a Comprehensive Planning Review?](https://prostatisfinancial.com/is-it-time-for-a-comprehensive-planning-review/): When you look at your overall financial picture, what do you see? Do you see a unified, strategic, and focused portfolio with every piece of the puzzle working together to get you to a specific goal? Or, do you have a 401(k) here, an IRA there, a life insurance policy somewhere else? Do you remember why you purchased certain products or opened particular accounts, or is your financial plan all over the place?
- [Combining Your Finances When You Marry](https://prostatisfinancial.com/combining-your-finances-when-you-marry/): How separate (or intertwined) should your financial lives be?
- [Tax Rules on Rental Property](https://prostatisfinancial.com/tax-rules-on-rental-property/): The basics on capital gains & deductions.
- [Are Millennial Women Saving Enough for Retirement?](https://prostatisfinancial.com/are-millennial-women-saving-enough-for-retirement/): The available data is more encouraging than discouraging.
- [The Federal Reserve Raises Benchmark Interest Rate](https://prostatisfinancial.com/the-federal-reserve-raises-benchmark-interest-rate/): Monetary policy is normalizing due to economic improvement.
- [Building an Emergency Fund](https://prostatisfinancial.com/building-an-emergency-fund/): Everyone should aim to have a cash reserve
- [Tax season is in full swing… and tax scams are everywhere](https://prostatisfinancial.com/tax-season-is-in-full-swing-and-tax-scams-are-everywhere/): How can you can tell if a crook is claiming to be the I.R.S. in an effort to steal your money or personal information? Watch for these giveaways.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses How Long Should a Woman Plan to Work](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-how-long-should-a-woman-plan-to-work/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses How Long Should a Woman Plan to Work.
- [Should Women Strive to Work Past 62?](https://prostatisfinancial.com/should-women-strive-to-work-past-62/): The argument for doing that is pretty convincing.
- [Will You Avoid These Estate Planning Mistakes?](https://prostatisfinancial.com/will-you-avoid-these-estate-planning-mistakes/): Too many wealthy households commit these common blunders.
- [Little Things That May Help Your Retirement Saving](https://prostatisfinancial.com/little-things-that-may-help-your-retirement-saving/): Over time, these seemingly small factors could make a major difference.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses 2017 Tax Law Changes](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-2017-tax-law-changes/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses The 2017 Tax Law Changes.
- [A Guide To 2017 Tax Law Changes (And More)](https://prostatisfinancial.com/a-guide-to-2017-tax-law-changes-and-more/): As taxpayers and tax preparers send in 1040 forms for 2016, they are also wondering about the changes to federal tax law that may occur in 2017 and 2018. Will President Trump’s administration be able to follow through on his campaign pledge to cut corporate and estate taxes and revise individual income tax brackets? If the Affordable Care Act is repealed and replaced, how significant will the tax impact be for businesses, families, and individuals?
- [The Dow Finally Did It](https://prostatisfinancial.com/the-dow-finally-did-it/): The Dow finally did it: it topped 20,000 for the first time. What does this development mean for the equity market and your portfolio?
- [Stretch IRA: Are Its Days Numbered?](https://prostatisfinancial.com/stretch-ira-are-its-days-numbered/): It’s been on the Congressional chopping block for the past five years, and some believe time is about to run out on the stretch IRA, a staple of estate planning for the affluent.
- [5 Smart Tax Moves To Make Before Year-End](https://prostatisfinancial.com/5-smart-tax-moves-to-make-before-year-end/): The last thing people want to think about amid the bustle of November and December is taxes. 
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses 6 Surprising Facts About Retirement](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-6-surprising-facts-about-retirement/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses The 6 Surprising Facts About Retirement.
- [6 Surprising Facts About Retirement](https://prostatisfinancial.com/6-surprising-facts-about-retirement/): Americans are living longer than ever before, resulting in lengthy retirements. But if you assume most people are saving more in order to prepare for their long-term needs, you’d be mistaken.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Addresses The 4 Big Retirement Regrets That You Should Avoid](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-addresses-the-4-big-retirement-regrets-that-you-should-avoid/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses The 4 Big Retirement Regrets That You Should Avoid.
- [4 Big Retirement Regrets That You Should Avoid](https://prostatisfinancial.com/4-big-retirement-regrets-that-you-should-avoid/): Plan ahead carefully to ensure you have enough money to do the things you want after you retire.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Stresses The 5 Things To Do To Improve Retirement](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-stresses-the-5-things-to-do-to-improve-retirement/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet discusses 5 Things You Can Do Right Now to Help Improve Your Retirement Outlook.
- [5 Things You Can Do Right Now to Help Improve Your Retirement Outlook](https://prostatisfinancial.com/5-things-you-can-do-right-now-to-help-improve-your-retirement-outlook/): When you're about five years away from retiring, take these five steps to complete your retirement masterpiece.
- [Roth IRAs Could Get Excess 529 Savings Under Senate Proposal](https://prostatisfinancial.com/roth-iras-could-get-excess-529-savings-under-senate-proposal/): Bipartisan legislation recently introduced by U.S. Senators Richard Burr (R-N.C.) and Bob Casey (D-Pa.) is designed to encourage more American families to save for college by making it easier for them to use Section 529 college savings accounts.
- [Home Sweet Home](https://prostatisfinancial.com/home-sweet-home/): Like other aspects of the economy, the real estate market has been slow to recover to “normal” levels. But we believe there are some positives that come with the lull in housing sales. In some pockets of the country, prices have escalated substantially due to low inventory, high demand and relatively low interest rates.
- [More Retirees Heading for Hubs](https://prostatisfinancial.com/more-retirees-heading-for-hubs/): When retirement is on the horizon, many people put their current hometown in the rear-view mirror. As the retiree population continues its upward trajectory, we expect popular retirement destinations to grow right along with it.
- [Financial Markets and Presidential Elections](https://prostatisfinancial.com/financial-markets-and-presidential-elections/): There’s a saying that with enough prodding, you can make statistics say whatever you want.
- [IRS Rules Against Two Social Security Strategies](https://prostatisfinancial.com/irs-rules-against-two-social-security-strategies/): Two strategies that have long been recommended to help married couples potentially optimize their Social Security benefits have come to an end. This year, the IRS has clarified rules that no longer allow for two claiming strategies known as:
- [It’s Never Too Early to Plan Your Retirement](https://prostatisfinancial.com/its-never-too-early-to-plan-your-retirement/): Even when you’ve determined an exact date you want to retire, it’s hard to know how many years your retirement will last. So it stands to reason that planning for an early retirement could be a challenge.
- [Strides in Pay Equality a Step in Right Direction](https://prostatisfinancial.com/strides-in-pay-equality-a-step-in-right-direction/): Lilly Ledbetter was hired in 1979 as a supervisor at Goodyear Tire & Rubber Co. and worked there for the next 20+ years. When she retired in 1998, she sued the company for paying her significantly less than her male counterparts.
- [Do Tax Preparers Know What They’re Doing?](https://prostatisfinancial.com/do-tax-preparers-know-what-theyre-doing/): For several years, researchers have been sending people into tax preparation offices to test the quality of the work. The results have been scary:
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses Tax Scams](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-tax-scams/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this blog, Canet discusses the possible tax scams the IRS warns the public to be on the look out for.
- [IRS warns of top 3 tax scams for 2016](https://prostatisfinancial.com/irs-warns-of-top-3-tax-scams-for-2016/): The start of tax filing season means the start of tax scam season, and this year the scams are expected to be worse than ever, despite new anti-fraud measures enacted by the IRS.
- [New Year a Good Time for New Approach](https://prostatisfinancial.com/new-year-a-good-time-for-new-approach/): We frequently resolve to reinvent ourselves in the new year -- exercise more, eat healthier, read more or save more.
- [Top Tax Issues for 2016](https://prostatisfinancial.com/top-tax-issues-for-2016/): As 2015 comes to an end, take some time to look over these changes, issues, and other concerns you may have this tax season.
- [Don’t Forget Your Required Minimum Distributions!](https://prostatisfinancial.com/dont-forget-your-required-minimum-distributions/): Here’s a gentle reminder to be sure your required minimum distributions (RMDs) are executed before the end of the calendar year.
- [Tax Loss Harvesting Tips](https://prostatisfinancial.com/tax-loss-harvesting-tips/): Tax Loss Harvesting Tips
- [Spotlight on Hidden Firm Fees, Merrill Lynch Edition](https://prostatisfinancial.com/spotlight-on-hidden-firm-fees-merrill-lynch-edition/): This is part of our ongoing series in which we review "kick backs" that companies receive and the hidden fees the consumers are left to pay. A few weeks ago we discussed the Edward Jones' Revenue Sharing Dislcosure, which you can read HERE.
- [Attention Federal Employees:  Thinking about the new Self + 1?](https://prostatisfinancial.com/attention-federal-employees-thinking-about-the-new-self-1/): Thinking about the new Self + 1 now available during open season?
- [Spotlight on Hidden Firm Fees](https://prostatisfinancial.com/spotlight-on-hidden-firm-fees/): This is part of a series we'll be releasing over the next few months highlighting soft dollars, hidden fees, and "kick backs" companies may receive when offering investment products to clients.
- [Chance of Rate Hike Increases](https://prostatisfinancial.com/chance-of-rate-hike-increases/): The positive employment report last Friday sent shock waves through the markets that continued reverberating yesterday. Before the jobs number, even though Fed officials had expressed their intent to raise rates in 2015, the constant drip of negative economic numbers made the possibility of a rate hike seem remote. Not anymore.
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Emphasizes It’s (still) All About the Fed](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-emphasizes-its-still-all-about-the-fed/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this blog, Canet discusses the possible effects created from a rate change by the Fed.
- [It’s (still) All About the Fed](https://prostatisfinancial.com/its-still-all-about-the-fed/): It’s (still) all about the Fed. Weak Chinese data, the refugee crisis in Europe, and the effect of Iranian oil on the already saturated energy market might be interesting topics, but no one cares. Well, they might care, but only inasmuch as these situations affect the Fed rate decision on Thursday. No matter what happens, there will be much gnashing of teeth and tearing of cloth… and probably a lot of volatility in the markets.
- [Catch Up on Retirement Savings](https://prostatisfinancial.com/catch-up-on-retirement-savings/): Photo Credit: 401kcalculator.org
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Discusses the Importance of a Clear Mind and a Clear Plan](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-discusses-the-importance-of-a-clear-mind-and-a-clear-plan/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet emphasizes the importance of having an advisor and a plan when it comes to retirement planning.
- [Embracing Longevity](https://prostatisfinancial.com/embracing-longevity/): Photo Credit: Flickr/sima dimitric
- [Host Of The Savvy Investor Show, Michael Canet JD LLM, Shares Recommended Reading to Individuals Nearing Retirement](https://prostatisfinancial.com/host-of-the-savvy-investor-show-michael-canet-jd-llm-shares-recommended-reading-to-individuals-nearing-retirement/): Michael Canet JD LLM, is a financial planner, estate planning attorney and host of The Savvy Investor TV and Radio Show, where he and Savvy Investor guests help listeners create, grow, and preserve their wealth. In this article, Canet shares suggested magazines for individuals gearing up or living in retirement.
- [Read All About It](https://prostatisfinancial.com/read-all-about-it/): It seems like there’s a magazine for everything these days. And the topic of retirement is no different. There are a number of magazines geared towards individuals nearing or enjoying their retirement years, including tips on relocating, downsizing, living on a fixed income, and more.

## Pages
- [Tax-Thank You](https://prostatisfinancial.com/landing-page-taxes/tax-thank-you/): Thank You! Your Consultation Request Has Been Received One of our dedicated team members will be in contact with you shortly to confirm the details and answer any questions you may have.
- [Ret-Thank You](https://prostatisfinancial.com/landing-page-retirement/ret-thank-you/): Thank You! Your Consultation Request Has Been Received One of our dedicated team members will be in contact with you shortly to confirm the details and answer any questions you may have.
- [EP-Thank You](https://prostatisfinancial.com/landing-page-estate-planning/ep-thank-you/): Thank You! Your Consultation Request Has Been Received One of our dedicated team members will be in contact with you shortly to confirm the details and answer any questions you may have.
- [Landing Page – Taxes](https://prostatisfinancial.com/landing-page-taxes/): "*" indicates required fields
- [Landing Page – Retirement](https://prostatisfinancial.com/landing-page-retirement/): "*" indicates required fields
- [Landing Page – Estate Planning](https://prostatisfinancial.com/landing-page-estate-planning/): "*" indicates required fields
- [View On-Demand Webinars](https://prostatisfinancial.com/view-on-demand-webinars/): Federal Benefits
- [On-Demand Webinars](https://prostatisfinancial.com/on-demand-webinars/): Prostatis Financial Advisors Group has a deep library of financial resources and educational webinars designed to help you better understand your retirement. To select a webinar to watch in full, fill out the form at the bottom of this page.
- [Testimonials](https://prostatisfinancial.com/testimonials/): At Prostatis Financial Advisors Group, we pride ourselves on providing exceptional service to all our clients. But you don’t need to take our word for it. Watch testimonials from our clients below and learn how we help build a better retirement for individuals and families.
- [Federal Employee Benefits Webinar](https://prostatisfinancial.com/feb-webinar-thankyou/): A Retirement Fact Sheet Thank you for your interest in our Federal Employee Benefits webinar! You can watch the video in full below.
- [Federal Benefits Resources](https://prostatisfinancial.com/federalbenefits/): Don’t leave money on the table—understanding your options now can make all the difference later.
- [Farmington Hills](https://prostatisfinancial.com/contact/farmington-hills/): FLORIDA
- [20th Anniversary Celebration](https://prostatisfinancial.com/20th-anniversary-celebration/): Fill out the form below to register for our celebration!
- [Community & Client Events](https://prostatisfinancial.com/community-client-events/): Events to come. Stay Tuned...
- [Schedule a Call](https://prostatisfinancial.com/schedule-a-call/): "*" indicates required fields
- [Thank You](https://prostatisfinancial.com/thank-you/): If you have any questions or concerns, you can find our contact information at the bottom of the page.
- [Your Retirement Plan](https://prostatisfinancial.com/your-retirement-plan/): How can you gain access to strategies that help minimize taxes, reduce market risk, and generate income regardless of market performance? Get your complimentary retirement plan now.
- [Surviving the Perfect Storm Copy](https://prostatisfinancial.com/surviving-the-perfect-storm-copy/): Surviving the Perfect Storm FacebookThis field is for validation purposes and should be left unchanged.Name First Last Email AddressHow Did You Hear About Us?FacebookLinkedInWeb SearchYelpYouTubeThe Savvy Investor PodcastRadio - WCBMRadio - WJZRadio - WMALRadio - Dockside RadioRadio - Fox NewsFamily/FriendWorkshop/SeminarOtherOtherCAPTCHA Send Δ
- [Death and Taxes Copy](https://prostatisfinancial.com/death-and-taxes-copy/): #1 Best Seller On Amazon (2020) NameThis field is for validation purposes and should be left unchanged.Name First Last Email AddressHow Did You Hear About Us?FacebookLinkedInWeb SearchYelpYouTubeThe Savvy Investor PodcastRadio - WCBMRadio - WJZRadio - WMALRadio - Dockside RadioRadio - Fox NewsFamily/FriendWorkshop/SeminarOtherOtherCAPTCHA Send Δ
- [Savvy Investor Retirement Summary](https://prostatisfinancial.com/lp-savvy-investor-retirement-summary/): Just fill out the form and one of our team members will contact you soon. We’d also love to know how you heard about us!
- [Blog](https://prostatisfinancial.com/media/the-savvy-investor-blog/): Dec 19, 2018
- [Retirement Benefits](https://prostatisfinancial.com/services/retirement-benefits/): The Prostatis Financial team is comprised of professionals seasoned in all aspects of retirement benefits packages such as pension planning, stock purchase programs, and “mega backdoor” Roth strategies. We have worked extensively with the following companies*, including:
- [Home](https://prostatisfinancial.com/): “The Savvy Investor” radio show* is a weekly radio show hosted by Michael Canet and Ryan Herbert. This is your chance to schedule a meeting with a financial advisor for retirement and get in-depth analysis of the latest retirement news, retirement strategies, and planning opportunities.
- [Nothing Is Certain… But Death And Taxes…Till Now!](https://prostatisfinancial.com/nothing-is-certain-but-death-and-taxestill-now/): Jonathan Widran Updated 2.2021
- [Meeting](https://prostatisfinancial.com/meeting/): Book a Meeting Today
- [Orlando](https://prostatisfinancial.com/contact/orlando/): FLORIDA
- [Melbourne](https://prostatisfinancial.com/contact/melbourne/): FLORIDA
- [North Bethesda](https://prostatisfinancial.com/contact/north-bethesda/): FLORIDA
- [Towson](https://prostatisfinancial.com/contact/towson/): FLORIDA
- [Don’t Just Survive](https://prostatisfinancial.com/dont-just-survive/): A Retirement Fact Sheet It’s Not About How Much You Make — It’s About How Much You Keep. How to do you position yourself make money during these volatile times? When will the markets return? We have recorded a 30-minute webinar to discuss the lessons we can learn from previous market trend and action steps you can take right away. We identify a true silver lining - your stock wish list is on sale. Now is the time ask yourself these important questions: 1. Is your retirement income secure and not impacted by volatility in the market? 2. Are you comfortable with experiencing a 30%+ drop in your portfolio? 3. Do you have a written retirement plan?   If you answered no to any of these questions, you deserve a second opinion. Please Complete The Form Below And Watch The Webinar. After Viewing The Webinar, We’ll Arrange A Virtual Meeting To Provide You Guidance During These Uncertain Times. InstagramThis field is for validation purposes and should be left unchanged.Name First Name Last Name Email PhoneHow Did You Hear About Us?FacebookLinkedInWeb SearchYelpYouTubeThe Savvy Investor PodcastRadio - WCBMRadio - WJZFamily/FriendWorkshop/SeminarOtherOtherAdditional CommentsCAPTCHA Submit Δ
- [Mike Canet’s #1 Amazon Best-selling Books](https://prostatisfinancial.com/books/): Taxes are a huge part of planning for retirement. Losing 30-40% of your retirement savings to taxes is not likely the kind of retirement you expect. In “Death and Taxes,” you’ll find tax strategies you may not know about from your accountant or financial advisor.
- [Investment Management](https://prostatisfinancial.com/services/investmentmanagement/): An important part of retirement planning is the wealth-building process prior to taking distributions. We help guide you toward investments that match your individual risk tolerance and plan for the stage of life you’re in now and are moving toward.
- [Estate Planning](https://prostatisfinancial.com/services/estateplanning/): At Prostatis Financial, this includes will planning, power of attorney for financial matters, and advanced care directives and living wills. We can offer help in any of these areas and more.
- [Insurance](https://prostatisfinancial.com/services/insurance/): It only takes 15 min to connect with Prostatis and determine how to proceed with your retirement.
- [Financial Planning](https://prostatisfinancial.com/services/financialplanning/): It only takes 15 min to connect with Prostatis and determine how to proceed with your retirement.
- [Tax Planning & Preparation](https://prostatisfinancial.com/services/taxplanning/): At Prostatis Financial Advisors Group, we want our clients to understand that sophisticated, comprehensive, affordable tax planning is important and accessible to everyone. We transform the tax experience from an unplanned, once-a-year stressful event into an activity filled with saving, lifestyle, and investment opportunities.
- [Client Portal](https://prostatisfinancial.com/client-portal/): The biggest compliment we could receive is a referral from you. If there is someone you think we should reach out to, first make sure they know we will be reaching out. Second, fill out the information below. We will treat them with the kindness and respect that we treat you.
- [Hanover](https://prostatisfinancial.com/contact/hanover/): FLORIDA
- [Contact Parent](https://prostatisfinancial.com/contact/)
- [Events](https://prostatisfinancial.com/events/): There are no upcoming events at this time, but check back soon!
- [The Savvy Investor Media](https://prostatisfinancial.com/media/): Mondays & Fridays at 6 p.m., Saturdays at 3 p.m., and Sundays at 10 a.m.
- [Services](https://prostatisfinancial.com/services/): Prostatis Financial offers financial services to pre-retirees and retirees to help you become better prepared for the future.
- [About Our Team](https://prostatisfinancial.com/about/): Michael is the founder and director of Prostatis Financial Advisors Group and a four-time Amazon bestselling author for works including “Surviving the Perfect Storm: How to Create a Financial Plan That Will Withstand any Crisis” and “Nothing is Certain Except for Death and Taxes...Until NOW.” He is also the host of the syndicated television show "The Savvy Investor" as well as host of "The Savvy Investor Radio"* which can be heard across the United States and wherever you get your podcasts.
- [Savvy Investor Retirement Summary](https://prostatisfinancial.com/savvy-investor-retirement-summary/): Retirement planning is no cake-walk. It takes work to put together a plan that can support you for the rest of your life. If you want a plan that is built to grow, protect, and distribute your wealth in the most tax-efficient manner while alive and after you pass, then we invite you to get your own Savvy Investor Retirement Summary.  In five steps, you can get prepared for the rest of your life.
- [Death And Taxes Book](https://prostatisfinancial.com/death-and-taxes-free-book/): Taxes are a huge part of planning for retirement. Losing 30-40% of your retirement savings to taxes is not likely the kind of retirement you expect. In “Death and Taxes,” you’ll find tax strategies you may not know about from your accountant or financial advisor.
- [Taxes In Retirement](https://prostatisfinancial.com/taxes-in-retirement/): RSVP today and see how you can minimize your taxes before it's too late
- [Webinars](https://prostatisfinancial.com/webinars/): Please come back soon to RSVP for a future webinar.
- [Sample Page](https://prostatisfinancial.com/sample-page/): Hi there! I'm a bike messenger by day, aspiring actor by night, and this is my website. I live in Los Angeles, have a great dog named Jack, and I like piña coladas. (And gettin' caught in the rain.)

## Divi Overlays
- [Savvy Investor Retirement Summar Impact](https://prostatisfinancial.com/divi_overlay/savvy-investor-retirement-summar-impact/)
- [The Perfect Storm LM pop up](https://prostatisfinancial.com/divi_overlay/the-perfect-storm-lm-pop-up/)
- [Death and Taxes LM pop up](https://prostatisfinancial.com/divi_overlay/death-and-taxes-lm-pop-up/)