Pivotal Financial Services, Inc.

06/04/2026

Explore financial wellness through smart financial planning. Understand rules on premature distributions, like the 10% tax penalty on early IRA withdrawals. Prioritize retirement planning, 401ks, IRAs, and evergreen strategies that minimize taxes.

Taxable distributions you receive from your IRA or retirement plan before you reach the age of 59½ are generally considered by the IRS as premature distributions (or early withdrawals). To discourage these premature distributions, they are not only subject to the usual federal and state income taxe...

06/02/2026

The gap between the market’s earnings yield and bond yields has narrowed, a measure that has at times predicted subpar stock returns.

06/02/2026

Exploring financial wellness involves strategic financial planning. Consider the Retire Sooner Method or FIRE movement to see what fits best for retiring early. Sound financial planning is key for achieving retirement goals.

Compare the Retire Sooner Method vs. FIRE and explore why retiring 5–10 years early may be more realistic for many Americans.

06/01/2026

Starting July 1, millions of borrowers will need to choose from a new menu of repayment options as the Trump administration enacts major changes to the student loan system.

05/31/2026

Retirees’ top concern for 2026 is that inflation will erode the value of their savings.

05/27/2026

AI-generated investment portfolios are highly concentrated in large-cap tech stocks, particularly semiconductors, according to a new National Bureau of Economic Research working paper.

05/26/2026

A law requires the rollover money to have been in the 529 for at least 15 years. But it isn’t clear what happens if you change the account’s beneficiary.

05/25/2026

This may be a good time to make sure you are on track to meet your annual contribution goal.

05/25/2026

The pain of high oil prices could catch up with the economy by summertime, Julian Emanuel says. High gas prices headed toward July 4 could cause consumers to pull back on spending. Elevated oil and gas prices around Memorial Day could also weigh on the S&P 500, Emanuel said.

05/25/2026