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    Black and white image of two women, possibly and adviser and her client looking at paperwork. The logo "Kiplinger Adviser Intel" is overlaid on the image
    (Image credit: Getty Images)
    Joyce Lamb's avatar
    By Joyce Lamb

    Kiplinger’s Adviser Intel is a curated network of trusted financial professionals that share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more.

    Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.

    These are just some of our contributors and their work. See more expert insights from hundreds of financial professionals around the world in our Adviser Intel program.

    Adviser Intel Contributors

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      • Photo of contributor Joe Schmitz.

        Joe F. Schmitz Jr.

        Joe is the founder and CEO of Peak Retirement Planning, Inc., focusing on tax strategies, investment management, income planning, health care planning and estate planning for those in the 2% Club.

      • Photo of contributor Evan Beach.

        Evan T. Beach

        Evan, founder of Exit 59 Advisory, is a CFP® professional and an IRS enrolled agent. His company specializes in helping retirees enjoy their money today without having to worry about running out tomorrow.

      • Photo of contributor Pam Krueger.

        Pam Krueger

        Pam is a recognized investor advocate and award-winning personal finance journalist and author. She is the founder and CEO of Wealthramp, which helps consumers and employees find vetted fiduciary financial advisers.

      • Photo of contributor Stephen Dunbar.

        Stephen B. Dunbar III

        Stephen is Executive Vice President of Equitable Advisors' Georgia, Alabama, Gulf Coast Branch. He is passionate about helping people align their finances with their values to build the legacy they want for future generations.

      • Photo of contributor Andrew Rosen.

        Andrew Rosen

        Andrew is President of Diversified LLC, where he helps clients achieve lifelong financial goals through personalized planning. With a passion for building lasting relationships, he combines deep industry expertise with a client-first approach.

      • Photo of contributor Neale Godfrey.

        Neale Godfrey

        Neale is a family financial pioneer and author of 29 books, including the No. 1 New York Times bestseller “Money Doesn’t Grow on Trees.” She has spent five decades empowering women and families to take control of their financial lives.

      • Photo of contributor Dennis Beaver.

        H. Dennis Beaver

        Dennis practices law in Bakersfield, Calif., and has been a syndicated columnist, as he puts it, "since I had hair!" His legal philosophy is simple: Level with your clients and do not treat them as a giant ca-ching on a cash register.

      • Photo of contributor Cliff Ambrose.

        Cliff Ambrose

        Cliff leads Apex Wealth, a boutique retirement planning and wealth management firm, with a focus on family-office style solutions. His practice integrates investment management, tax planning, estate strategies and insurance solutions.

      • Photo of contributor Daniel Goodwin.

        Daniel Goodwin

        Daniel is the Chief Investment Strategist at Provident Wealth Advisors, a Registered Investment Advisory firm. Daniel’s gift is making the complex simple and encouraging families to take steps today to pursue financial goals of tomorrow.

      • Photo of contributor Brian Skrobonja.

        Brian Skrobonja

        Brian, a Chartered Financial Consultant and Certified Private Wealth Advisor with over 30 years of experience, is the author of three books and host of the Common-Sense Financial™ podcast.

      • Photo of contributor Ken Nuss.

        Ken Nuss

        Ken, founder and CEO of AnnuityAdvantage, launched the leading online provider of fixed-rate, fixed-indexed and income annuities in 1999 to help consumers compare products. He is a widely published and nationally recognized annuity expert.

      • Photo of contributor Tony Drake.

        Tony Drake

        Tony received his insurance licenses, post-graduate certificate from DePaul University and CFP® designation. With more than 20 years of experience in the financial industry, he focuses on asset preservation, retirement planning and tax reduction.

      • Photo of contributor Larry Sprung.

        Lawrence Sprung

        Larry is a husband, father, entrepreneur, award-winning adviser, author and mental health advocate. He is reshaping personal finance by fostering JOYful conversations around money.

      • Photo of contributor Stacy Francis.

        Stacy Francis

        Stacy is a nationally recognized financial expert and the President and CEO of Francis Financial Inc. She provides advice to women going through transitions, such as divorce, widowhood and sudden wealth.

      • Photo of contributor Mallon FitzPatrick.

        Mallon FitzPatrick

        Mallon of Robertson Stephens collaborates with clients to develop a comprehensive wealth planning strategy that integrates tax planning, risk management, philanthropy, liquidity and balance sheet management, estate planning and investments.

      • Photo of contributor Richard P. Himmer.

        Richard P. Himmer

        Dr. Himmer has expertise in Emotional Intelligence (EI), Clinical Hypnotherapy and Workplace Bullying prevention. He holds an MBA, a master’s degree in psychology and a PhD in Industrial and Organizational Psychology.

      • Photo of contributor Frank Legan.

        Frank J. Legan

        Frank is an author and a financial adviser with SEIA. He spends his days designing and implementing personalized financial planning strategies for corporate executives, business owners, artists, families and retirees.

    The Latest

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    Don't Defer Retirement if You're a Landlord, Defer Taxes

    A millionaire couple spent 30 years building a real estate empire — and nearly handed a million dollars of it to the IRS before discovering an exit strategy.

    • Mature teacher talking to students in front of blackboard covered in equations

      Income and Life Expectancy Not Adding Up? Consider An Annuity

      Increasing longevity means you could outlive the money you've saved for retirement. Social Security may not bridge the gap, but an income annuity could help.

      By Ken Nuss

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      How to Focus on Your Retirement Life Goals, Not Just the Math

      "Your Retirement Sketchbook" focuses on the hardest part of retirement planning — figuring out what your retirement life will look like.

      By H. Dennis Beaver, Esq.

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      The 'Midwestern Millionaire' Mentality That's Built a Fortune

      If you see yourself in these four Midwestern Millionaire traits, you're among America's best savers. You're also most likely one of its most reluctant spenders.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

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      Fun March Madness vs Unfun March Mayhem: Betting Buzzkill

      Sports betting feels like entertainment, but for some, it's leading to debt, addiction and even a direct backlash toward athletes.

      By Lawrence Sprung, CFP®, CEPA®

    • A couple smile as they work with an adviser on estate planning.

      Are You Too Busy to Spare Your Heirs Stress and Heartache?

      The cost of delaying estate planning is far greater than the time it takes to get the ball rolling. The remedy is easier (and takes less time) than you think.

      By H. Dennis Beaver, Esq.

    • Senior friends talking and laughing at tennis court

      Retirement Is a Game (and That's Actually the Good News)

      If retirement is the ultimate goal, why is it harder than we imagined? Regarding it as a game to keep playing, instead of a finish line, may be the answer.

      By Richard P. Himmer, PhD

    • An older couple work with a financial adviser on paperwork at their kitchen table.

      5 Estate Planning Things You Need to Do Now

      Completing these five essential tasks right away can protect your family and their inheritance from potential high taxes and the probate process.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

    • An older man looks a bit confused as he looks at paperwork on his sofa with his laptop.

      Tax Forms Retirees Are Getting in 2026 and What They're For

      Knowing what forms you're getting and why is important so you can ensure that you and your tax preparer have what's needed to file your taxes.

      By Evan T. Beach, CFP®, AWMA®

    • A woman looks frustrated on the phone while sitting at her kitchen island.

      What Can You Do When E-Billing Leads to Missed Payments?

      Email-only billing has created problems for some customers as bills land in spam folders and payment disputes ensue, not to mention heightened fraud risks.

      By H. Dennis Beaver, Esq.

    • An older man looks thoughtful as he looks out his office window, a skyline reflected in the glass.

      Do You Believe You Can't Retire? You Need to Read This

      Americans often delay or redefine retirement because they have a lack of clarity and confidence in their financial plan. Here's how you can fix that.

      By Pam Krueger

    • Roped team of mountaineers wearing backpacks and ascending snowy mountain slope

      Retirement Is Like Everest: The Ascent Isn't the Only Risk

      The real risk in retirement is failing to plan for the "descent" — the psychological and lifestyle changes that occur after you reach your financial goals.

      By Richard P. Himmer, PhD

    • Affectionate senior couple on a boat trip at sunset

      How Retirees in the 2% Club Can Reduce Their Lifetime Taxes

      Retirees with a pension and significant savings can use this strategy to lower taxes, avoid penalties like IRMAA and gain more control over retirement income.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

    • A financial adviser talks with an older couple at their dining room table.

      Who Needs a Trust and Who Doesn't? A Financial Pro Explains

      Knowing the differences between a revocable trust and an irrevocable trust can help you decide if you need one and, if you do, which kind.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

    • A worker uses a chain saw to trim a tree that's hanging over a house.

      What Can You Do When Your Neighbor's Tree Is a Danger?

      Some neighbors are jerks, but you don't have to be. Here's how to create a paper trail when asking a neighbor to deal with a tree that's a safety hazard.

      By H. Dennis Beaver, Esq.

    • A woman jumps over a hurdle on a running track.

      3 Financial Hurdles Coming Up for Women: How to Overcome Them

      From the widow's penalty to higher health costs, women will encounter a host of money worries over the course of a lifetime. You need a robust financial plan.

      By Tony Drake, CFP®, Investment Advisor Representative

    • Mature couple at home with laptop and documents for financial planning

      Are Annuities Safe? An Industry Expert Explains the Risks

      Different types offer different levels of potential risk. Here's how to choose wisely, from an annuities pro.

      By Ken Nuss

    • A young boy holds up his fingers to show he is age 4.

      In or Near Retirement? 4 Recent Tax Changes You Need to Know

      The tax landscape has changed yet again, thanks to the OBBBA and SECURE 2.0, and four developments are particularly important for anyone in or near retirement.

      By Evan T. Beach, CFP®, AWMA®

    • Torn white paper revealing US Currency

      5 Legal 'Loopholes' the IRS Wishes You Didn't Know

      From opening stealth retirement accounts to strategic charitable giving, there are plenty of ways you can cut your taxes every year, and they're perfectly legit.

      By Lawrence Sprung, CFP®, CEPA®

    • A woman wearing a blue hardhat operates a crane on a job site.

      A Simple Clue Unlocked a Workplace Safety Crisis

      A lot of people with hearing issues resist wearing hearing aids. "Nicole" had a very good reason not to wear hers, but figuring out why took some sleuthing.

      By H. Dennis Beaver, Esq.

    • An older woman looks at her laptop at home with an "I've made a big mistake" expression.

      Missed an RMD? How to Avoid That (and the Penalty) Next Time

      If you miss your RMDs, you could face a hefty fine. Here are four ways to stay on top of your payments — and on the right side of the IRS.

      By Evan T. Beach, CFP®, AWMA®

    • Worried mature man and woman check finance account in kitchen

      How a Tax-Aware Long-Short Strategy Solved This Couple's $50,000 Capital Gains Problem

      Large unrealized capital gains can create a serious tax headache for retirees with a successful portfolio. A tax-aware long-short strategy can help.

      By Pam Krueger

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      3 Questions to Help You Navigate a Noisy Year With Financial Clarity

      The key is to resist focusing only on the markets. Instead, when making financial decisions, think about your values and what matters the most to you.

      By Frank J. Legan

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      Aging in Place Can Be Bad for You: Here's an Alternative

      Why age alone in financial hardship when you can enjoy companionship — and share the costs of housing, groceries and health care — with a small community of friends?

      By Neale Godfrey, Financial Literacy Expert

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      3 Steps to Help You Find Your Financial North Star

      If you're overwhelmed by financial planning, a long list of to-dos won't help. Find clarity by focusing on steps built around what's most important to you.

      By Stephen B. Dunbar III, JD, CLU

    • An older woman stretches while outside, looking very happy.

      Want to Divorce the IRS? This is How to Go About It (Legally)

      With some careful planning focused on the standard deduction, retirees who have large sums in tax-deferred accounts can avoid unpleasant tax bills and even part ways with the IRS for good.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

    • A young man is intensely focused on reading a book in his living room.

      A Financial Book That Won't Put Your Young Adult to Sleep

      "Wealth Your Way" by Cosmo DeStefano offers a highly accessible guide for young adults and their parents on building wealth through simple, consistent habits.

      By H. Dennis Beaver, Esq.

    • A senior businessman working in his modern office

      5 Mistakes to Avoid in the 5 Years Before You Retire

      When retirement is in reach, financial planning gets serious — and there's a heightened risk of making serious mistakes, too. Here are five common slipups.

      By Evan T. Beach, CFP®, AWMA®

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      Your Most Overlooked Retirement Investment: Doing Nothing

      When you take the time to rest and breathe, your brain starts to focus on what matters most in your new stage of life.

      By Andrew Rosen, CFP®, CEP

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      These Retirement Planning Steps Protect the Life You Want

      This kind of planning focuses on the intentional design of your estate, philanthropy and long-term care protection.

      By Brian Skrobonja, Chartered Financial Consultant (ChFC®)

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