Pier Financial Advisors

Source: J.P. Morgan Asset Management. 2025. Guide to Retirement.

Getting started: Start with emergency savings to weather spending and income shocks throughout the year and make sure to take advantage of employer matching funds if they are available. An HSA offers triple tax benefits if used for qualified medical expenses in retirement.

1. This assumes that a diversified portfolio may earn 7.25% over the long term. Actual returns may be higher or lower. Generally, consider making additional payments on loans with a higher interest rate than your long-term expected investment return.
2. Must have a high-deductible health insurance plan that is eligible to be paired with an HSA. Those taking Social Security benefits age 65 or older and those who are on Medicare are ineligible. Tax penalties apply for non-qualified distributions prior to age 65; consult IRS Publication 502 or your tax professional.
3. Income limits may apply for IRAs. If ineligible for these, consider a non-deductible IRA or an after-tax 401(k) contribution. Individual situations will vary; consult your tax professional.

Not intended to be a personal financial plan.

https://vimeo.com/830653471/75d85ec1f5

PCIA Weekly Market Update - 5/26/2023 Watch this week's PCIA market update with Clayton Allison. During this quick video, he uncovers the current state of the market and what's ahead!