Gabriel Gallante

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Stage 3: The No-Go Years -In this stage Comfort and Care may be your priority. -Bringing the Next-Generation into one's planning meetings may also be more common to align everyone.

Stage 2: The Slow-Go Years -In this stage the pace may change. One may slow down and spend time focusing on family and health. -Consider a shift from preservation to legacy where you may start investing towards the goals of your heirs.

I like to think of Retirement in Stages and depending on the stage that one is in, they might reconsider their goals and asset allocation (A Thread 🧵):

What happened last week: The DJIA, S&P 500, and NASDAQ each saw their final two trading sessions of the week finish in the green. Both the S&P 500 and NASDAQ notched positive returns for the week. Year-to-date performances are as follows: DJIA (13.14%), S&P 500 (16.20%), NASDAQ (20.70%). Amazon (AMZN) and OpenAI could come to an agreement on a $10 billion deal that would see the artificial intelligence company use Amazon’s AI chips. Amazon has already invested $8 billion in OpenAI rival Anthropic. ServiceNow (NOW) is reportedly in talks to purchase cybersecurity firm Armis for about $7 billion. It would be the company’s largest ever acquisition should the deal be finalized. The delayed jobs data for October was released alongside the November data. The unemployment rate for November landed at 4.6%. Nonfarm payrolls for October were -105,000 while the figure for November added 64,000, above expectations of 45,000. Average hourly earnings month-over-month for October increased to 0.4% from 0.2% and the November figure was 0.1%. The inflation rate year-over-year for November beat expectations (3.1%) as it was reported as 2.7%, making it the lowest reading since July. Meanwhile, the core inflation rate year-over-year for November beat expectations (3.0%) as it reached 2.6%, which is the lowest reading since March 2021. Existing home sales for November increased to 4.13 million from the upwardly revised 4.11 million (from 4.10 million). It is the highest level in nine months. Happening this week: On Tuesday, the GDP growth rate for Q3 2025 is expected to be 3.2%. The Q2 2025 rate was the highest reading since Q3 2023. On Wednesday, the stock market will close early in observation of Christmas Eve. On Thursday, the stock market will be closed in observation of Christmas Day. Thanks for reading! •The Rockline Team Rockline Wealth Management (RWM) is a registered investment adviser located in Islip Terrace, NY. RWM is registered with the U.S. Securities and Exchange Commission. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. The information presented above is for informational purposes only and believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed.

4. Legacy Planning -Money your children inherit from a Roth will be tax-free whereas if they were to inherit Traditional/ Pre-Tax Retirement Money, this could cause them to take RMDs during what may be higher earning years, potentially propelling them into a higher tax bracket.

3. A Lower Income Year -Whether you're at a time period between Retirement and collecting Social Security, in between jobs, or retired prior to RMD age, a Roth Conversion could be something to think about when planning.

Many people may be aware as to what Roth Conversions are, but not many know WHEN an opportune time could be (A Thread 🧵):

4. Catch-Up Contributions -If you're age 50+, consider Catch-Up contributions to your retirement accounts. These enhanced levels of contribution could potentially help to "turbocharge" your retirement savings.

3. Retirement Location -If you're thinking about relocating in retirement, consider "test driving" a few different locations for 4-6 weeks at a time to see if you really enjoy the change.

If you think you're too late in life to start saving for retirement, consider this: (A Thread 🧵)

4. Tax Planning -Variables to consider when tax planning could include: Mortgage Interest Deduction, Tax-Advantaged Retirement Accounts, Current vs. Future Tax Brackets, and potential Capital Gains Treatment of investments.

3. Psychology -In some cases, having the mortgage paid down could offer comfort and help folks "sleep better at night". Others could be more comfortable investing the extra money over time.

Should You Pay Off Your Mortgage Early or Invest the Extra Money? (A Thread🧵):