Rings Financial LLC

06/01/2026

What Is Your Retirement Reliance Rate?

Your Retirement Reliance Rate measures how dependent you are on your investment portfolio to generate retirement income.

For example, if you need $100,000 per year in retirement and Social Security and a pension provide $50,000, your Reliance Rate is 50%. The other 50% must come from your investments.

The higher your Reliance Rate, the more important it is to have a well-structured retirement plan and investment strategy. A portfolio that needs to provide 70-80% of your retirement income faces much more pressure than one that only needs to provide 20-30%.

Understanding your Reliance Rate can help you evaluate:
✔ How much risk you should take
✔ Whether you're saving enough
✔ When retirement is realistic
✔ How vulnerable your plan may be to market downturns

Retirement isn't just about how much you've saved—it's about how much you'll need your investments to do for you. Knowing your Reliance Rate is a great place to start.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

05/25/2026

Memorial Day is a time to pay tribute to those who made the ultimate sacrifice in service to the United States. They will always be remembered. Wishing you and your loved ones a peaceful Memorial Day holiday.

05/18/2026

Investment management and financial planning go hand in hand, that's why our clients hire us to do both.

Because investing isn’t just about picking stocks or chasing returns. It’s about making sure your money supports the life you want to live in retirement.

Your investments are one of the primary funding sources for your retirement. A major mistake, lack of coordination, tax inefficiency, or poorly timed market decisions can have a lasting impact on your long-term financial security.

That’s where planning and coordination matter.

We help coordinate:
• Investment distributions with income sources like pensions and Social Security
• Withdrawals between Roth IRAs, Traditional IRAs, and taxable accounts
• Tax-efficient income strategies during retirement (if done correctly, can potentially increase your safe retirement income by 20% to 30%)
• Your investment strategy with your actual retirement plan

For many do-it-yourself investors, the stakes are high. Mistakes in retirement planning can mean delaying retirement, reducing your lifestyle, or even returning to work.

That’s why comprehensive retirement planning and investment management should work hand in hand.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

05/13/2026

If you don’t YET have enough saved to retire comfortably, this post is for you.

Retirement planning is ultimately about converting your human capital (your ability to earn an income) into financial capital through disciplined saving and investing. At some point, your working years will end, and your financial capital will need to support the lifestyle you want throughout retirement…otherwise you may end up living on a steady diet of government cheese and cat food.

But here’s an important question:

What happens to your long-term financial security if your human capital runs out long before retirement?

Meaning you get sick, injured, or otherwise unable to work for an extended period of time — or God forbid, indefinitely.

Here are five of the most common reasons people leave the workforce unexpectedly:

• Musculoskeletal disorders
• Cancer
• Mental health conditions
• Cardiovascular disease
• Accidents and injuries

Good financial planning is a balance of offense and defense.

Offense includes investing, retirement planning, and tax strategies designed to grow wealth over time. Defense includes protecting your income and your family through tools like life insurance and long-term disability insurance.

Because as we all know, life doesn’t always go according to plan.

People get cancer. People get into car accidents. People have heart attacks. Sometimes life decides to throws a big ol wrench in the spokes when we least expect it.

If your income is the primary funding mechanism for your family’s financial security, you should have a defensive plan in place.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

05/11/2026

Did you know that tax-efficient retirement withdrawal planning can potentially increase your safe retirement income by 20% to 30%?

The less money you give to the government, the more money you can spend.

Imaginary that!!

Why in the world would you not click that link below and schedule your complimentary consultation?

Just an FYI, we won’t ask you to buy anything when you come in and it won’t be weird. At the very least, you’ll learn a few things and leave better off than when you came in.

Sounds like a win win to me.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

05/10/2026

05/07/2026

One of the most rewarding aspects of being a financial planner is saying to someone:

“Congratulations on all your hard work….you can retire”

At the end of the day, financial planning is not about beating the S&P 500, the Dow, or chasing the next hot stock. It’s about helping people make smart financial decisions over time so they can confidently retire and enjoy the retirement they worked so hard to build.

That means managing risk, creating reliable income, reducing unnecessary taxes, maximizing Social Security, and having a plan in place for the unexpected.

Because retirement isn’t just about growing wealth, it’s about protecting what you’ve built, and turning that wealth into long-term financial security.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

05/04/2026

What are Required Minimum Distributions (RMDs)?

As we all know, the IRS wants its tax revenue. If you have pre-tax retirement accounts such as an IRA, 401(k), 403(b), or TSP, there comes a point where the IRS says, “It’s time to pay the piper.”

At a certain age, you are required to begin withdrawing money from these accounts — whether you need the income or not.

Here are the current RMD ages:

• Born before July 1, 1949 — RMD age was 70½
• Born between July 1, 1949 and December 31, 1950 — RMD age was 72
• Born between January 1, 1951 and December 31, 1959 — RMD age is 73
• Born January 1, 1960 or later — RMD age is 75

Now here’s the part many people don’t realize…

If you miss your RMD deadline, the IRS can assess a penalty equal to 25% of the amount you failed to withdraw. In some cases, that penalty may be reduced to 10% if corrective action is taken promptly and the proper paperwork is filed.

For example, if your RMD was $40,000 and you failed to take it, the IRS could assess a $10,000 penalty — on top of the ordinary income taxes owed.

One of our roles as your financial planner is helping ensure you don’t miss these deadlines, while also calculating the appropriate withdrawal amount to help keep you in the IRS’s good graces.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact

05/02/2026

In this month’s Your Money in Motion column from expert Barry Rings Jr., CFP®, he explores why, “In a world of 800 numbers, choosing local means choosing someone who truly understands your goals.” 💼

Read the full column in the May edition of Our Towne Magazine or at ourtowne.net, then connect with Barry to start planning with confidence.

📞 (518) 576‑8420
🌐 RingsFinancial.com

04/30/2026

Ever get tired of calling that dreaded 800 number when you need help with your cell phone, have a question about a health claim, or need support with an important issue? Me too — because more often than not, it’s a frustrating experience.

When it comes to your financial well-being and retirement security, you deserve more than a random voice on the other end of the phone. Real financial advice shouldn’t come from someone who knows nothing about you, your family, your goals, or your future.

That’s why personalized financial planning matters.

Be sure to check out this month’s edition of Your Money in Motion in the May issue of Our Towne Magazine, where we discuss why working with a boutique financial planning and wealth management firm can make all the difference.

At Rings Financial, we believe relationships matter. Work with someone who knows you, cares about your future, and has a vested interest in your success. That’s the difference personalized advice can make.

Schedule your complimentary consultation today. You have nothing to lose and everything to gain.

www.ringsfinancial.com/contact