The Top Retirement Newsletter
on the Eastern Shore
For people who know retirement is about more than just the returns
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How to Gift Money Without Paying Taxes – A How-to Guide, Part 2
Let’s pick up where we left off – funding investment accounts for your kids or grandchildren. If you haven’t read…
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How Do I Avoid IRMAA?
IRMAA (pronounced ER-ma), or Income-Related Monthly Adjustment Amount, is an additional charge on your Medicare Part B and Part D…
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How do I Reduce Taxes in Retirement?
What does it mean to have a tax-efficient retirement? It can mean different things to different people, but at its…
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5 Questions to Ask Your Financial Advisor
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In today’s information age, you can Google or ask ChatGPT about almost anything in seconds—what used to take hours or…
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Choosing a Retirement Withdrawal Plan
I often say this to clients, a phrase that has stuck with me since my high school football days: “Keep…
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How to Gift Money Without Paying Taxes – A How-to Guide, Part 1
At Bay Bay Financial Planning & Investments, we talk a lot about growing and protecting wealth. But just as important…
