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FAQ

How often should I rebalance my portfolio?

The primary goal of rebalancing is to keep your portfolio aligned with your risk profile, while being mindful of transaction costs and taxes. Two common approaches are time-based and threshold-based. Rebalancing at a fixed time (such as annually or semi-annually) is predictable and easy to implement but could trigger unnecessary trades and may not respond quickly to market moves.

Financial Planning Aug 4, 2026

FAQ

What is tax-loss harvesting?

Tax-loss harvesting is a strategy where you sell investments at a loss to offset capital gains and reduce current-year taxes.

Financial Planning Aug 4, 2026

FAQ

When should I start taking Social Security?

The best time for you to start taking Social Security depends on your health, life expectancy, income needs, and employment status, as well as any relevant spousal considerations.

Retirement Aug 4, 2026

FAQ

How can I reduce taxes in retirement?

The main strategies to consider are converting any IRAs to Roth IRAs during low-income “gap years” (between retirement and required minimum distribution age), smart distribution sequencing across account types, planning RMD timing to avoid bunching, and using direct rollovers to prevent tax leakage.

Tax Planning Aug 4, 2026

FAQ

What is the Income-Related Monthly Adjustment Amount (IRMAA)?

IRMAA stands for Income-Related Monthly Adjustment Amount and is a surcharge added to your Medicare Part B (medical insurance) and Part D (prescription drug coverage) premiums if your Modified Adjusted Gross Income (MAGI) exceeds a certain threshold. The surcharge is determined by the Social Security Administration (SSA) based on income reported to the IRS from the prior two tax years.

Retirement Aug 4, 2026

FAQ

What does a financial advisor do?

A financial advisor can help you understand and manage financial risk while building long-term wealth. Your advisor can build a financial plan that addresses short-term and long-term goals, including establishing a budget, making wise tax and investment decisions, and saving money for retirement and children’s education.  Financial advisors can also advise on your trusts and estate plans.

Financial Planning Jul 22, 2026

FAQ

What is comprehensive financial planning?

Comprehensive financial planning is creating a detailed, integrated financial plan that fits your lifestyle and goals. Wealth Enhancement Advisors take a listen, craft, guide approach to financial planning. First, we listed to fully understand your goals and priorities, which drive everything we do together. Then we craft a plan ensuring all your financial details support each other. Finally, we provide guidance to build wealth for the life you expect. 

Financial Planning Jul 22, 2026

FAQ

When should I hire a financial advisor?

There is no perfect time to hire a financial advisor. Every individual and family has unique needs. Many times a specific life event can be a trigger to consider hiring a financial advisor, including marriage, a new child, a significant change in income, receiving non-cash compensation at work, or receiving an inheritance.

Financial Planning Jul 22, 2026