Fontaine Retirement Group

07/17/2026

A lower-income year can create a valuable planning opportunity, especially if you are recently retired and have not yet started taking required minimum distributions.

One strategy to consider is a Roth IRA conversion. By moving money from a traditional IRA into a Roth IRA, you may be able to pay taxes now at a lower rate and create a source of tax-free income for the future.

Roth conversions must be completed by December 31, but waiting until then can also leave little time to evaluate your tax bracket, income needs, and overall retirement strategy.

Mid-year is often a smart time to review whether a Roth conversion makes sense for your situation.

07/15/2026

Gen X, your retirement years are coming quickly.

Born between 1965 and 1980, the oldest members of Gen X will begin reaching traditional retirement age in just a few years, while the youngest will follow by 2045.

For many in this generation, retirement planning comes with added pressure: lingering debt, adult children moving back home, aging parents who need support, and the challenge of saving enough while juggling it all.

If you’re a Gen Xer, now is the time to take a closer look at where you stand, what gaps may need attention, and what steps could help you feel more prepared for the retirement years ahead.

Let’s talk about how to get your retirement plan moving in the right direction: BOOK HERE https://go.fontaine-retirement.com/landing-consult

07/13/2026

It’s all in the timing.

Once you understand how each retirement account is taxed, the next question is: Which one should you use first?

The answer depends on your income needs, tax situation, Medicare premiums, Social Security, and where you are in retirement.

Taking withdrawals only when you need money can create unnecessary tax spikes. A more proactive approach can help you manage your income year by year, reduce surprises, and create more flexibility throughout retirement.

At Fontaine Retirement Group, we help retirees think through not just how much to withdraw, but when and from where.

Learn more about why properly timing withdrawals can make a big difference in retirement. https://app.greminders.com/c/david5/30minutecall

07/10/2026

Our firm's name includes “retirement,” but a proper retirement plan involves much more than preparing for the day you stop working.

Investments, insurance, estate planning, taxes, income, healthcare, and legacy considerations all work together to shape your financial future.

At Fontaine Retirement Group, we help you look at the bigger picture and coordinate the major pieces of your retirement plan with purpose, so you can move into the next chapter with a thoughtful strategy in place.

07/08/2026

Will you have enough to retire comfortably?

Join us for an in-person, two-part educational seminar at Miami Dade College’s Kendall Campus.

During this event, we’ll discuss important retirement planning topics to help you better understand your options and prepare for the years ahead.

𝗗𝗮𝘁𝗲: Tuesdays, July 14 & 21, or Thursdays, July 16 & 23

𝗧𝗶𝗺𝗲: 6:00 p.m.
𝗟𝗼𝗰𝗮𝘁𝗶𝗼𝗻: Miami Dade College, Kendall Campus
𝗖𝗼𝘀𝘁: $59 for the two-day educational event

Reserve your spot and take the next step toward a more informed retirement plan.

𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗵𝗲𝗿𝗲: tinyurl.com/Fontaine-Retirement

07/06/2026

If you’re not careful, your retirement structure could come crashing down.

That’s why at Fontaine Retirement Group, we focus on developing a thoughtful retirement income strategy. It’s not just about how much you withdraw, but when, where, and in what order you take income to help minimize taxes and maximize what you keep.

Traditional IRAs, taxable brokerage accounts, and Roth IRAs are all taxed differently. Traditional IRA withdrawals are generally taxed as ordinary income, taxable brokerage accounts may create capital gains taxes when investments are sold, and qualified Roth IRA withdrawals can be tax-free.

Treating these accounts the same could lead to a higher tax bill, increased Medicare premiums, or fewer options down the road.

A thoughtful withdrawal strategy can help you manage your taxable income year by year and make more informed decisions throughout retirement.

Learn more about why treating different accounts the same can be a costly mistake.

07/04/2026

𝗛𝗮𝗽𝗽𝘆 𝟮𝟱𝟬𝘁𝗵 𝗕𝗶𝗿𝘁𝗵𝗱𝗮𝘆, 𝗔𝗺𝗲𝗿𝗶𝗰𝗮!

𝗛𝗮𝗽𝗽𝘆 𝗙𝗼𝘂𝗿𝘁𝗵 𝗼𝗳 𝗝𝘂𝗹𝘆! We hope you enjoy a safe, relaxing, and memorable holiday with family and friends. From all of us at Fontaine Retirement Group, thank you for allowing us to be part of your financial journey.

07/03/2026

𝗠𝗮𝗿𝗿𝗶𝗮𝗴𝗲, 𝗱𝗶𝘃𝗼𝗿𝗰𝗲, 𝗮𝗻𝗱 𝗦𝗼𝗰𝗶𝗮𝗹 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗰𝗮𝗻 𝗮𝗹𝗹 𝗽𝗹𝗮𝘆 𝗮 𝗺𝗮𝗷𝗼𝗿 𝗿𝗼𝗹𝗲 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝗻𝗰𝗼𝗺𝗲 𝗽𝗹𝗮𝗻.

Whether you’re married, previously divorced, or navigating a life transition, it’s important to understand how Social Security rules may affect your benefits.

Read more here:

How Social Security spousal benefits and survivor benefits may apply after divorce. David Fontaine is a CFP® at Fontaine Retirement Group in South Miami.

07/01/2026

𝗔𝗻𝗼𝘁𝗵𝗲𝗿 𝗾𝘂𝗮𝗿𝘁𝗲𝗿 𝗼𝗳 𝟮𝟬𝟮𝟲 𝗶𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗯𝗼𝗼𝗸𝘀. Inflation and geopolitical tensions were two of the main stories this quarter—but how was your plan affected?

Let’s talk about what changed, what still matters, and whether your financial strategy is still aligned with where you want to go.

𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻: https://app.greminders.com/c/david5/30minutecall

06/29/2026

Your neighbor, old gym teacher, and barista all have an opinion on the market.

Before you listen to them, or spend the afternoon doomscrolling, let’s talk about your investments, goals, and how they align with your retirement plan.

Investment advice is everywhere. The hard part is knowing how to tune out the noise and focus on your individual situation.