A lot of retirement withdrawal advice is simple: Something like 1.) Spend your brokerage account first, then 2.) Use our pre-tax accounts, and 3.) save the Roth assets for last. But when you really study it, does that always make the most sense?

In this episode, Michael Custer CFP®, EA walks through a different way to think about retirement income. Instead of following a rigid order, this conversation explores how blending accounts, trying to use tax brackets intentionally, and thinking about asset location may create more flexibility and hopefully reduce your taxes over your lifetime.

Using a “retirement coffee shop” metaphor, we break down how each account works, where taxes show up, and how small decisions each year can shape the bigger picture.

𝐖𝐡𝐚𝐭 𝐘𝐨𝐮’𝐥𝐥 𝐋𝐞𝐚𝐫𝐧

💭 Why the common “spend this account first” rule may not fit your retirement income plan

💭 How brokerage accounts could be more tax efficient than many people think

💭 The role of standard deductions and lower tax brackets in retirement income planning

💭 How “use it or lose it” tax opportunities may be used each year

💭 When it may make sense to pull from multiple accounts instead of just one

💭 How required minimum distributions (RMDs) can impact future tax brackets and Medicare costs

💭 The difference between asset allocation and asset location—and why both matter

💭 How tax gain harvesting works and when it may create low or even zero federal tax outcomes on capital gains

💭 Why Roth accounts are often treated as long-term flexibility tools, not just “last to use” assets

Retirement isn’t just about what you’ve saved—it’s about how you can use it.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

Chapters:

00:00 Breaking the Normal Retirement Withdrawal Advice

01:17 What if We're More Tax Efficient?

02:10 Different Type of Accounts

03:37 Generating Income in Retirement

04:21 Pros/Cons of Different Account Types

06:49 Free Tax Refills?!

08:39 Why Not Spend Accounts One at a Time?

10:55 Using Tax-Gain Harvesting

13:18 Implementing Asset Location

16:29 Crafting Your Custom Income for Retirement

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Homeowners do have access to valuable tax deductions and strategies but most people only know about one or two of them. In this episode, Michael Custer CFP®, EA explores some of the most common tax planning tools available on your primary home.

𝐖𝐡𝐚𝐭 𝐘𝐨𝐮'𝐥𝐥 𝐋𝐞𝐚𝐫𝐧!

💭 The mortgage interest deduction: Who qualifies, the limits, and why many people don't use it.

💭 Property tax deductions, including the recent increase to the amounts allowed.

💭 The home sale capital gains exclusion

💭 How home improvements could increase your cost basis and may reduce your taxable gain when you sell

💭 The home office deduction for self-employed business owners — what "exclusive use" means

💭 The Augusta Rule: How renting your home for up to 14 days a year may be completely tax-free

Whether you're wondering if you can deduct mortgage interest, thinking about selling your home, or just looking for ways to pay less in taxes, this episode could help you find strategies worth exploring.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

Chapters:

00:00 Home Tax Strategies

01:31 Wife's Resident Match Day!

02:56 Deduction for Mortgage Interest Paid?

04:47 Property Tax Deductions?

05:39 Tax Gain Exclusion on My Home?

07:13 Converting Home to a Rental?

08:10 Improvements vs. Repairs

10:29 Home Office Deductions

12:35 Tax Free Rental of Home?

14:08 Be Careful of the Internet Advice Sometimes

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

In the previous episode, we broke down what IRMAA is and why it catches so many retirees off guard when it comes to Medicare surcharges. Now it's time to actually see it in action.

In this episode, Michael Custer CFP®, EA pulls up real retirement and tax planning software tools and walks through a live scenario — showing how Roth conversions, IRA distributions, and even paying off your home could trigger Medicare surcharges you didn't saw coming.

𝐖𝐡𝐚𝐭 𝐘𝐨𝐮'𝐥𝐋 𝐋𝐞𝐚𝐫𝐧!

💭 How a couple with $1.5M in pre-tax savings could increase their plan's success rate from 76% to 88% just through tax strategies

💭 Why converting up to the 22% bracket could trigger IRMAA

💭 An IRMAA-aware conversion strategy that could add to your tax-adjusted retirement assets

💭 How RMDs quietly push retirees into higher Medicare brackets in their 80s

💭 The senior enhanced deduction people don't know they're phasing out of

💭 What can happen to your Medicare bill when you pull a large IRA distribution to pay off your house

💭 Why going just slightly over the IRMAA threshold might mean you should use the whole tier instead

𝐍𝐞𝐰 𝐭𝐨 𝐭𝐡𝐞 𝐒𝐞𝐫𝐢𝐞𝐬?

💭 You may want to watch Part 1 where we cover what IRMAA is, how the cliff rule works, and why your taxable income isn't what Medicare really cares about.

Chapters:

00:00 Tax Time Bomb for Retirees?

01:09 Software Uses for Tax Planning

01:41 Background Info on Couple

02:22 Do We Need 100% Success Rate?

02:55 Exploring Roth Conversions

04:04 Improve Retirement Chances but Hitting Medicare Surcharges?

05:36 Managing RMDs and Future Taxes

06:32 Increase Retirement Spending for Better Outcomes?

07:15 Different Spending Methods in Retirement

07:53 Software for Tax Analysis Ideas

08:49 Losing Senior Tax Deductions?

10:03 Roth Conversions and Their Impact on Income

11:19 Taxes of Large Home Payoff In Retirement from Retirement Accounts

13:14 Let's Try to Avoid Paying More In Tax Than Legally Possible

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Are you doing Roth conversions without checking this first? If you're not factoring in Medicare surcharges (IRMAA), you could accidentally be paying more for Medicare without even finding out until two years later.

In this episode, Michael Custer CFP®, EA breaks down one of the hidden cost of "blind" Roth conversions he sees often. Why could converting too much trigger an Medicare surcharge even if your taxable income looks fine?

𝐖𝐡𝐚𝐭 𝐘𝐨𝐮'𝐥𝐥 𝐋𝐞𝐚𝐫𝐧!

💭 Why taxable income and Medicare's MAGI are two different things

💭 The "large party surcharge" — a metaphor that may make IRMAA click easier

💭 How the cliff rule works

💭 What income sources get counted toward MAGI that most people overlook.

💭 Why the two-year lookback makes Medicare surcharges easy to miss

💭 Real examples of Roth conversions gone wrong — and what a different approach may look like

💭 When hitting IRMAA might actually be worth it and when you may want to avoid it

𝐖𝐡𝐨 𝐓𝐡𝐢𝐬 𝐈𝐬 𝐅𝐨𝐫.

💭 Pre-retirees with significant IRA or 401(k) balances thinking about Roth conversions

💭 Anyone who has heard about the "tax bomb" and is wondering how aggressively to convert

💭 Retirees already on Medicare who want to understand why their premiums might be higher

𝐂𝐨𝐦𝐢𝐧𝐠 𝐔𝐩 𝐍𝐞𝐱𝐭!

💭 Part 2 episode — Michael will pull up software and walk through the actual dollar amounts so you can see what this looks like in a real retirement plan.

We hope this helps you learn ideas that could meaningfully improve your retirement plan!

Chapters:

00:00 Hidden Cost to Medicare

02:03 Large Party Surcharge

03:10 The Standard Playbook

04:06 Income Level for Medicare

06:19 How the Surcharge Works

06:59 Medicare Cliff Rule

09:46 Senior Extra Deduction Loss

10:43 Don't Forget All Sources of Income!

11:43 Taxed Even Without Selling?

13:44 Too Much In One Year?

15:10 Math on Net Worth?

16:43 Make Sense to Pay IRMAA Sometimes?

17:11 More Shadow Taxes Coming?

21:46 Not a Life Long Penalty & Major Events

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

**#RothConversion #IRMAA #RetirementPlanning #MedicareSurcharge #TaxPlanning #RetirementTaxes #FinancialPlanning #CommonCuriosities**

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

When it comes to investing, a lot of the terminology can feel confusing. What is active vs passive investing? What does alpha actually measure? And what happens if you want to get out of an annuity but there is a surrender charge involved?

In this episode of Common Curiosities: Retirement, Michael CFP®, EA walks through three questions that came up.

Topics include:

💭 The difference between active and passive investing

💭 How alpha can impact your investing selections

💭 How professionals compare funds using risk adjusted returns

💭 Ideas to get out of an annuity you no longer want

💭 How penalty free withdrawals may work with an annuity

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

Chapters:

00:00 Introduction to Active and Passive Investing

00:13 Type of Investing, Alpha, Annuities

00:56 Can't Breathe & Swallow?

01:12 Active vs Passive Investing

05:11 Evaluating Investment Teams

06:35 What the Heck is Alpha?

07:52 Fund is "Up a Lot" But It's Still Underperforming?

09:09 Where Can You Find Alpha?

09:34 Annuity Penalties and Free Surrenders

12:10 Other Ideas to Avoid Penalties

13:21 Taylor Swift Fan?

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

We find that many people heading into retirement aren't aligning their own life with their investment portfolio and they don't even know it!

The investment industry has often placed people in specific investments based upon their age, but why may you want to build a custom investment portfolio based on your life and instead of your age?

Here's what we cover:

💭 Why your life and goals — not your age — should drive your investment selections

💭 The "Inertia Trap" — why staying with what worked can quickly backfire

💭 Why a cookie-cutter, age-based portfolio could be leaving money on the table

💭 The math behind market losses

💭 How we've seen sequence of returns risk hurt people's retirement

💭 How building your "moat" is one approach aimed at helping protect your portfolio in your retirement

Whether you're retiring in the next 5 years or already living off your investments, this episode may help you ask better questions about whether your portfolio is truly built for your life.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

Chapters:

00:00 Custom Portfolio Based on Your Scenario Not Your Age?

01:49 Your Spending Plan Isn’t Your Accumulation Plan

03:27 Past Performance Trap

06:37 How Negative Markets Can Effect Retirement Spending

08:23 The Climb Out is Steeper than the Fall

09:40 Cookie Cutter Portfolio

11:19 Paying Too Much for Less Volatility?

13:57 Why Doesn't Every Account Look the Same in Retirement?

14:40 Your Own Portfolio Not Age Based Only

15:33 How Do You Trade In Negative Years?

17:02 How to Build Your Custom Portfolio Ideas

19:44 Why Some Retirees Like Custom Portfolio Allocations

21:43 It's Not About Your Age Here

22:14 What's Your Plan During Big Down Years?

22:52 Does Your Investments Match Your Life or a Base Template?

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

What do your taxes actually look like right now and what might they look like in retirement?

In this episode, Michael CFP®, EA walks through a listener question from a couple earning $250,000 who wanted to understand their tax picture today, if their 401k contributions are actually helping them much, and what retirement might look like if they plan to spend $100,000/year.

This is a step by step walkthrough of how the tax system works for high earners approaching retirement and why the gap between your working years and retirement years may be one of the most important planning windows you'll ever have.

Topics include:

💭 How pre-tax 401k contributions may be a useful strategy instead of using Roth for this couple.

💭 Why your taxes in retirement could drop dramatically from your working years

💭 What the new senior deduction is and why income level determines if you qualify for it

💭 How Medicare surcharges (IRMAA) can quietly hit you two years after the income

💭 Why Roth conversions in early retirement may help your long term taxes more than you realize

💭 How RMDs decades from now could push you into higher brackets than you're in today

🎙️ Common Curiosities: Retirement explores often overlooked mechanics of money aimed at helping you make more thoughtful financial decisions.

Chapters:

00:00 Tax Example of $250k Working to $100k Retirement

01:11 $250k Base Example

03:03 Pre-Tax 401k Contribution Example

05:40 Medicare Surcharge Without Their Deductions?

06:39 Retiring on $100k Example

08:24 More Deductions During Working Years for This Couple?

10:18 Long-term Tax Planning and RMD Considerations

10:41 Utilizing Your Final Working Years to Your Advantage

12:40 Withdrawal Strategy for Retirement

13:27 Youtube Disc. TN & Words.mp4

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

There are so many types of retirement accounts out there… and let’s be honest, most people have no idea what any of them really mean. Whether you’re self‑employed and choosing a plan for your business or trying to learn about the one your employer offers, this episode should help.

Jac brings a list of retirement accounts she recently came across and puts Michael CFP®, EA on the spot with a rapid fire pop quiz.

Together, they walk through explanations of the most common retirement accounts people see on forms, at work, or in planning conversations and break down what they actually do, who they are for, and the basic pros and cons of each.

Topics include:

💭 What a 401k is and how employer plans work

💭 Solo 401k vs traditional employer plans

💭 403b and who typically uses them

💭 457 deferred compensation plans and early retirement access

💭 Traditional IRA vs Roth IRA

💭 Contribution limits and control differences

💭 What a backdoor Roth IRA actually means

💭 SIMPLE IRAs and when employers use them

💭 Simplified Employee Pension plans for self employed business owners

💭 Why different accounts exist in the first place

Stay curious.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

00:00 Different Type of Retirement Accounts Explained

00:55 What's a 401(k)?

02:49 Solo 401ks

03:57 Understanding 403bs

04:26 What are IRAs?

05:50 What Are Roth IRAs

07:37 Diving into Backdoor Roth IRAs

10:08 What's a Simple IRA?

12:35 What is a Simplified Employee Pension (SEP IRA)?

13:32 Understanding 457 Plans and Their Benefits

14:15 What Are 457s?

16:50 Med School Loan Repayment Meeting

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.