Ryan Gustafson

1 month ago | southernminn.com | Ryan Gustafson

Once you and your spouse retire, you’ll have some decisions to make — decisions that could affect your quality of life in your retirement years. What are these choices? kAmw6C6 2 76H @7 E96 >@DE :>A@CE2?E @?6Dik^AmkAm• w@H >F49 D9@F=5 J@F H:E95C2H 7C@> J@FC C6E:C6>6?E 244@F?EDn qJ E96 E:>6 J@F C6E:C6[ J@F >2J 92G6 4@?EC:3FE65 7@C 564256D E@ 2? x#p 2?5 2 c_`W<X @C D:>:=2C 6>A=@J6C\DA@?D@C65 C6E:C6>6?E A=2?] qFE @?46 J@F C6E:C6[ J@F’== AC@323=J ?665 E@ 5C2H @?

2 months ago | southernminn.com | Ryan Gustafson

Once you retire, you’ll likely need to draw on a variety of financial sources — and one of the most important ones may be your 401(k). And for 2025, you can put even more money into your plan than ever. kAm*@F 42? :?G6DE :? J@FC c_`W<X :? @?6 @7 EH@ H2JD[ 56A6?5:?8 @? J@FC 6>A=@J6C’D A=2?] (:E9 2 EC25:E:@?2= c_`W<X[ J@F 4@?EC:3FE6 AC6\E2I 5@==2CD[ H9:49 42? =@H6C J@FC E2I23=6 :?4@>6[ 2?5 J@FC >@?6J 42? 8C@H E2I 5676CC65] x7 J@F 92G6 2 #@E9 c_`W<X @AE:@?[ J@F 42?

Dec 2, 2024 | southernminn.com | Ryan Gustafson

At different times, inflation may be high or low, but, except in those rare periods of deflation, it’s always with us. During your working years, when you may receive boosts in your salary, you at least have the potential to keep up with inflation — but what happens when you retire? As a retiree, what can you do to cope with the rising cost of living? kAmw6C6 2C6 2 76H DF886DE:@?Dik^AmkAm• z66A D@>6 8C@HE9 A@E6?E:2= :?

Nov 5, 2024 | southernminn.com | Ryan Gustafson

Like most of us, you may someday want to enjoy a comfortable retirement. Your ability to achieve this goal will depend on how much you save — but it also matters how much you spend. kAmp?5 D2G:?8 2?5 DA6?5:?8 2C6 46CE2:?=J C6=2E65i %96 >@C6 J@F 42? C65F46 J@FC DA6?5:?8[ E96 >@C6 >@?6J J@F 4@F=5 92G6 2G2:=23=6 E@ D2G6 7@C C6E:C6>6?E E9C@F89 J@FC x#p 2?5 J@FC c_`W<X @C @E96C 6>A=@J6C\DA@?D@C65 C6E:C6>6?E A=2?] ~G6C >2?J J62CD[ 6G6?

Oct 2, 2024 | southernminn.com | Ryan Gustafson

When you invest, you’ll find that knowledge is power. The more you know about your investment choices, and who is offering them, the better prepared you’ll be to make good decisions. And this diligence can also help protect you against investment scams. kAmw@H H:56DAC625 :D E9:D 24E:G:EJn r@?D:56C E9:Di x?G6DE>6?E 7C2F5 =@DD6D E@E2=65 >@C6 E92? Sc]d 3:==:@? :? a_ab[ 244@C5:?8 E@ E96 uqx’D x?E6C?6E rC:>6 #6A@CE]k^AmkAmw6C6 2C6 D@>6 4@>>@?