The G&R Journal
Practical perspectives on retirement, tax strategy, Roth conversions, and wealth management from our team.
How Much Risk Should You Take Before Retirement?
A pre-retirement risk review should look beyond age and risk tolerance to income needs, withdrawal timing, inflation, longevity, and concentration risk.
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June Market Update: Midyear Themes to Watch Without Losing Sight of Your Plan
June market update on stocks, rates, inflation, earnings, and what midyear themes may mean for long-term investors.
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Could a Roth Conversion Make Sense Before Summer Gets Busy
Learn why midyear may be a smart time to review Roth conversion planning, taxable income, and retirement accounts before year-end.
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Memorial Day and Legacy Planning: How to Organize Your Financial Wishes for Loved Ones
Use Memorial Day as a prompt to organize wills, beneficiaries, and financial wishes so loved ones have clarity when it matters most.
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How Can Your Tax Return Shape Your Retirement Strategy?
What does your tax return reveal about retirement planning? Review income, savings, taxes, and strategy before the year gets away from you.
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FEGLI: What to Review Before Retirement
Understand FEGLI before retirement. Learn what coverage continues, costs after 65, and how to avoid costly mistakes with your benefits.
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The Retirement Income Gap: How to Prepare as a Federal Employee
Federal employees often face a retirement income gap under FERS. Learn how pensions, Social Security, and TSP withdrawals combine to replace your paycheck.
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TSP Basics: Understanding the Five Funds (and Their Limitations)
What do the TSP’s G, F, C, S, and I funds really do? Learn how each fund behaves, where it fits, and the trade-offs federal employees should understand.
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Retirement Planning for Government Employees: A Comprehensive Guide
What should federal employees understand about FERS, TSP, Social Security, and benefits before retirement? This guide walks through the basics.
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Your Year-End 2025 Financial Checklist
Year-end is a perfect moment to review investments, beneficiaries, insurance, and goals. Are you prepared to start 2026 with clarity and confidence?
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Traditional vs. Roth IRA: Which Makes More Sense for You?
Learn the key differences between Traditional and Roth IRAs to help choose the right account for your tax situation and retirement goals.
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How Much Should You Have Saved by Retirement?
Discover how much you should have saved for retirement with age-based benchmarks, key factors, and tips to help you reach financial security.
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What to Do When the Market Gets Volatile
Learn why market volatility is normal, mistakes to avoid, and smart strategies to stay calm and keep your investments on track during choppy markets.
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How Does the Big Beautiful Bill Affect Your Retirement Plan?
Discover how the Big Beautiful Bill reshapes retirement planning with new tax cuts, deductions, and estate rules.
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When Should You Claim Social Security?
Wondering when to claim Social Security? Learn how age, health, income, and spousal benefits can affect your monthly payout and long-term retirement plan.
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When Does It Make Sense to Convert to Roth? (If Ever!)
Wondering if a Roth conversion is right for you? Learn when paying taxes now could lead to tax-free growth later—and when it might not be worth it.
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How Does a Financial Advisor Actually Help?
Discover how a financial advisor adds value—from behavioral coaching and smart allocation to tax-efficient strategies.
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The Top 5 Risks Retirees Need to Plan For
Learn 5 major financial risks that could impact your retirement – and how smart planning now can help protect your future income and peace of mind.
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Retirement Accounts vs. Brokerage Accounts: Which Are Better?
Explore the differences between retirement and brokerage accounts, including tax benefits and flexibility, to help shape a balanced investment strategy.
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The Importance of Portfolio Diversification
Learn how portfolio diversification reduces concentration risk and helps protect your wealth from market downturns.
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Why You Need a Financial Plan
Explore how a financial plan provides clarity on your finances, helping you manage debt, investments, and retirement goals for greater confidence and control.
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