Bogar & Associates

07/21/2026

The biggest purchase you will likely make is that of a home. When you start the search be sure not to plan any big purchases, such as a car, before or during the home-buying process. Also, do not apply for any new credit cards or other loans.

07/17/2026

Retirement brings many changes to your life, routine, and finances.

If you're not ready to fully retire, consider scaling back your hours at your current job, consulting on the side, or even taking a low-stress part-time job.

Not only will this allow you to maintain a routine but it will also give you income as you continue to settle into retirement.

07/14/2026

A concern as you head into retirement is fearing major changes, especially with your health.

Consider long-term health insurance. You may not be able to predict the future but taking this step can help you safeguard yours.

07/10/2026

Happy Summer Friday!

What are YOU up to this weekend?

07/08/2026

Every year, thousands of retirees lose their tax break on Qualified Charitable Distributions by making one avoidable error.

Click below to read more!

This One Mistake Can Make Your QCD Fully Taxable Every year, thousands of retirees lose their tax break on Qualified Charitable Distributions by making one avoidable error. The IRS does not warn you. Your broker might not either. According to recent data, Americans over 70½ transferred over $5 bill

07/04/2026

Happy 4th of July 🇺🇸

07/01/2026

Have you ever wondered how to maximize your Social Security benefits in retirement?

The surprising fact is that there are over 500 different claiming strategies and more than 2,000 governing rules! Which one is right for you?

There are strategies for married couples, divorced couples, domestic partnerships, and widows and widowers. If you are feeling overwhelmed reach out to a professional to discuss options.

06/29/2026

Are you familiar with the 4% withdrawal in retirement? This rule was seen as a way to live comfortably as you live on retirement.

However according to new reports to make sure that your retirement savings have longevity the modified rule says that 2.8% is best.

Still have questions? Let us know, we’re here to help! Click here to contact us today ~> https://bogarassociates.com/contact

06/25/2026

Here’s something to think about as retirement approaches.

If at all possible, keep a certain amount of your investment portfolio in cash and bonds, about one to three years of cash in the bank, and an additional three to five years of investments in bonds. While we hope for the best, we prepare for the worst.

If the stock market craters, having five to 10 years of living expenses in cash and bonds not only covers expenses, but also helps preserve your investment portfolio. Meaning you won't be forced to sell stocks at temporarily low values

06/23/2026

“Rule No. 1: Never lose money. Rule No. 2: Never forget Rule No. 1."