Retirement

When most people think about retirement, they imagine more time for travel, hobbies, or simply relaxing. But what many retirees overlook is how taxes can quietly erode their hard-earned savings. At Mundt & Associates, we regularly work with individuals and families across St. Charles, MN to help them understand and plan around this critical piece […]

Most people spend decades working toward a comfortable retirement—but many don’t realize they may be facing a retirement income gap. That’s the difference between the money you’ll need each month to maintain your lifestyle and the guaranteed* income sources you’ll have available (like Social Security or a pension). At Mundt & Associates in St. Charles,

It’s completely normal to feel anxious about retirement. After all, stepping away from decades of work and relying on savings, Social Security, or other income sources can stir up questions about security, purpose, and preparedness. But here’s the good news: you’re not alone—and there are practical ways to reduce that stress and build a sense

There is no one “ideal retirement.” But there are many ways to have a happy retirement if you have reflected on the choices you have, and what you are willing to leave to chance. The way you answer the following questions may help you decide what may need more thought before you begin your retirement:

As you move closer to retirement, the strategies that got you here may not be the best ones to take you forward. The “buy-and-hold” investment approach has long been favored for its simplicity and long-term focus—but is it still enough when your income needs and risk tolerance begin to shift? At Mundt & Associates, led

We frequently write about longevity and how important it is to have savings we don’t outlive. And while we’ve always striven to give our clients options for products where the income stream continues no matter how long you live, we are still often asked for a ‘number’ so that can be ascribed to someone’s projected

If you’ve ever wondered whether a retirement seminar is worth your time, we understand. Between conflicting advice online and busy schedules, it can be hard to know where to turn for trustworthy, no-pressure information. That’s why Mundt & Associates offers local educational seminars—designed to inform, not sell. Whether you’re approaching retirement or already enjoying it,

People are living longer than ever—and while that’s something to celebrate, it also brings new financial challenges. If you retire in your 60s, your savings may need to last 30 years or more. Add in the rising cost of healthcare, housing, and day-to-day living, and it’s clear: preparing for a longer retirement isn’t just smart,

When it comes to building a strong retirement plan, one of the most powerful tools available is tax-deferred growth. This benefit can help your money work harder—quietly accumulating behind the scenes while deferring taxes until a future date. But what does tax-deferred growth really mean, and how could it support your overall retirement strategy? At

What worked five, ten, or twenty years ago may not be working today—especially when it comes to your retirement strategy. Between market volatility, changing tax laws, rising healthcare costs, and shifting personal goals, many people find themselves wondering: “Is my current retirement plan still the right fit?” At Mundt & Associates, we work with individuals