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# Financial & Tax Architects | Retirement & Wealth Planning

An Independent Financial Advisor & Fiduciary Located in St. Louis, Nashville, Chicago, Dallas

## Sitemaps

- [XML Sitemap](https://fta-ria.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Resource Center](https://fta-ria.com/resource-center/)
- [Do you have Recurring Income in your Retirement?](https://fta-ria.com/do-you-have-recurring-income-in-your-retirement/)
- [Why Losses Hurt So Much More Than Gains Help You](https://fta-ria.com/why-losses-hurt-so-much/)
- [Understanding RMDs and How They Impact You](https://fta-ria.com/understanding-rmds-and-how-they-impact-you/)
- [Benefits of Charitable Giving in Retirement](https://fta-ria.com/benefits-of-charitable-giving-in-retirement/) - Now that you've retired, you can still take advantage of many charitable giving tax benefits. Here are some of the ways to do that.
- [The Best Way to Prepare for Health Care Costs in Retirement](https://fta-ria.com/health-care-costs-in-retirement/) - Health care can be expensive as you get older and retire. Planning a budget for health care costs and enrolling in a health savings account are just two ways you can prepare for health care costs in retirement.
- [Falling into the Social Security Trap](https://fta-ria.com/how-to-take-social-security-correctly/)
- [Are you taking too much risk in retirement?](https://fta-ria.com/are-you-taking-too-much-risk-in-retirement/)
- [Understanding Private Pension Plans and Annuities for Your Retirement](https://fta-ria.com/what-is-a-private-pension-preparing-for-retirement/)
- [Do You Pay Income Taxes in Retirement?](https://fta-ria.com/income-taxes-in-retirement/) - Do you pay income taxes in retirement? Retirees no longer earn a steady income. However, taxes are inevitable. With proper planning, you can lower your tax burden during retirement.
- [Considerations for Making the Most Out of Social Security Planning](https://fta-ria.com/social-security-planning/)
- [From the Desk of Gordon Haave - April 2022](https://fta-ria.com/from-the-desk-of-gordon-haave-april-2022/)
- [From the Desk of Gordon Haave - March 2022](https://fta-ria.com/from-the-desk-of-gordon-haave-march-2022/)
- [From the Desk of Gordon Haave - February 2022](https://fta-ria.com/from-the-desk-of-gordon-haave-february-2022/)
- [From the Desk of Gordon Haave - January 2022](https://fta-ria.com/january-2022-market-update/)
- [Having Life Insurance for Retirement - Do You Need a Policy?](https://fta-ria.com/life-insurance-for-retirement/)
- [Rollover Pros and Cons - What Is a Rollover and Should You Do It Before You Retire?](https://fta-ria.com/rollover-pros-and-cons/)
- [How Retirees Are Spending Their Retirement Funds](https://fta-ria.com/retirement-trends-how-retirees-are-spending-their-retirement-funds/)
- [How the Current Low Interest Rates Can Affect Your Retirement](https://fta-ria.com/how-low-interest-rates-can-affect-your-retirement/)
- [Year-End 2021 Tax Preparation Checklist](https://fta-ria.com/2021-tax-preparation-checklist/)
- [Inflation and Its Potential Influence on Your Retirement Savings](https://fta-ria.com/inflation-and-its-potential-influence-on-your-retirement-savings/)
- [Death, Taxes, and Death Taxes](https://fta-ria.com/death-taxes-and-death-taxes/)
- [What is a fiduciary financial advisor?](https://fta-ria.com/what-is-a-fiduciary-financial-advisor/)
- [What is elder financial abuse, and could it be happening to you?](https://fta-ria.com/elder-financial-abuse/)
- [7702 Cash Value Life Insurance - The alternative to long-term care insurance you should know about](https://fta-ria.com/alternatives-to-long-term-care-insurance/)
- [How to Decide on a Financial Professional - What to look for and what to avoid?](https://fta-ria.com/how-to-decide-on-a-financial-professional/)
- [What is the best age to claim Social Security?](https://fta-ria.com/claim-social-security-at-the-best-time/)
- [How Do I Know Whether I'm Retirement Ready?](https://fta-ria.com/how-do-i-know-whether-im-retirement-ready/)
- [Are Your Retirement Plans SECURE Now?](https://fta-ria.com/potential-benefits-for-retirement-savers-and-retirees/)
- [3 Tax traps to avoid in retirement](https://fta-ria.com/3-tax-traps-to-avoid-in-retirement/)
- [2021 Mid-Year Market review](https://fta-ria.com/2021-mid-year-market-review/)
- [Ways to boost your retirement savings](https://fta-ria.com/boost-your-retirement-savings/)
- [What Questions Should I Ask About Retirement Planning?](https://fta-ria.com/what-questions-should-i-ask-about-retirement-planning/)
- [Retirement Tax Planning for the Pandemic and What You Need to Know](https://fta-ria.com/retirement-tax-planning-for-the-pandemic-and-what-you-need-to-know/)

## Pages

- [Home Page](https://fta-ria.com/) - Financial & Tax Architects is an independent fiduciary that serves clients in St. Louis, Nashville, Chicago, and Dallas. Get the retirement support you need.
- [R David Jones](https://fta-ria.com/r-david-jones/) - David Jones, CWM, CFEI, is a Columbia, SC based Financial Advisor focused on retirement planning, insurance strategies, and risk management for clients.
- [Florence,SC Retirement 101 Class - FTA](https://fta-ria.com/florence101/) - Join FTA’s 90-minute Retirement 101 class near Columbia, SC and learn how to protect savings, plan income, and make smarter retirement decisions. Sign up now.
- [ADV Downloads](https://fta-ria.com/adv-downloads/) - Download Financial & Tax Architects' Form ADV and other SEC-required regulatory disclosure documents for registered investment advisors.
- [Dallas Retirement 101 Class - FTA](https://fta-ria.com/retirement-101-class-dallas/) - Get a hands-on, in-depth look at the nuances of retirement financial planning. Register for your free 1.5 hour session in Dallas today.
- [Chicago Retirement 101 Class - FTA](https://fta-ria.com/retirement-101-class-chicago/) - Get a hands-on, in-depth look at the nuances of retirement financial planning. Register for your free 1.5 hour session in Chicago today.
- [St. Louis Retirement 101 Class - FTA](https://fta-ria.com/retirement-101-class/) - Get a hands-on, in-depth look at the nuances of retirement financial planning. Register for your free 1.5 hour session in St. Louis today.
- [Nashville Retirement 101 Class - FTA](https://fta-ria.com/retirement-101-class-nashville/) - Get a hands-on, in-depth look at the nuances of retirement financial planning. Register for your free 1.5 hour session in Nashville today.
- [Our Team](https://fta-ria.com/our-team/) - Meet our retirement specialists & financial advisors serving St. Louis, Chicago, Nashville, & Dallas. Schedule a consultation today.
- [Nashville Retirement 101 Class - Spotify - Outside](https://fta-ria.com/r101-nashville-class/) - FTA's Retirement Planning 101 Class is a 1 ½ hour intensive, hands-on retirement financial planning class held at academic venues throughout Central Tennessee.
- [Chicago Retirement 101 Class - Spotify - Outside](https://fta-ria.com/r101-chicago-class/) - FTA's Retirement 101 Class is a 1 ½ hour intensive, hands-on retirement financial planning class held in various academic venues throughout Chicagoland.
- [Dallas Retirement 101 Class - Spotify - Outside](https://fta-ria.com/r101-dallas-class/) - FTA's Retirement Planning 101 Class is a 1 ½ hour intensive, hands-on retirement financial planning class held at academic institutions throughout the DFW area.
- [Our Services  - Solutions](https://fta-ria.com/solutions/) - From financial planning to investment management, Financial & Tax Architects can help you prepare for retirement and protect against risk. Discover our solutions.
- [3 Tax Traps](https://fta-ria.com/3-tax-traps/) - Think your taxes will drop in retirement? Think again. Learn the three tax traps that could drain your savings and how to avoid them with FTA.
- [Privacy Policy](https://fta-ria.com/privacy-policy/) - Read Financial & Tax Architects' privacy policy to understand how we collect, use, and protect your personal information.
- [Gary Davis](https://fta-ria.com/gary-davis/)
- [Justin Yoo - Financial Advisor](https://fta-ria.com/justin-yoo/) - Justin Yoo is a Financial Advisor serving Frederick, Maryland, helping individuals and families with retirement planning and long-term financial guidance.
- [Free Social Security Guides](https://fta-ria.com/social-security-guide/) - Get our free Social Security guide and learn when to claim, how to maximize your benefit, and how to avoid the most costly mistakes pre-retirees make.
- [Las Vegas Retirement 101 Class - FTA](https://fta-ria.com/las-vegas101/) - Join FTA’s 90-minute Retirement 101 class near Las Vegas, NV and learn how to protect savings, plan income, and make smarter retirement decisions. Sign up now.
- [Gordon Haave](https://fta-ria.com/gordon-haave/) - Gordon Haave, President of FTA and CFA, has 30+ years of experience in financial services and serves as the Chief Investment Officer. Learn more about Gordon.
- [Frederick Retirement 101 Class - FTA](https://fta-ria.com/frederick101/) - Join FTA’s 90-minute Retirement 101 class near Frederick, MD and learn how to protect savings, plan income, and make smarter retirement decisions. Sign up now.
- [D. Scott Brooks](https://fta-ria.com/d-scott-brooks/) - D. Scott Brooks, CEO, has 35+ years of finance experience and specializes in retirement risk management. Learn more about Scott and his investment philosophy.
- [What’s Your Plan for Rising Costs in Retirement?](https://fta-ria.com/costs/) - Inflation is one of the biggest threats to your retirement savings. Learn how we help clients build strategies to protect their purchasing power.
- [Columbia,SC Retirement 101 Class - FTA](https://fta-ria.com/columbia-sc101/) - Join FTA’s 90-minute Retirement 101 class near Columbia, SC and learn how to protect savings, plan income, and make smarter retirement decisions. Sign up now.
- [Careers](https://fta-ria.com/careers/) - Interested in becoming a financial advisor? Join FTA in our mission of helping everyday people retire with confidence. Apply today.
- [Accessibility](https://fta-ria.com/accessibility-statement/) - Financial & Tax Architects is committed to making our website accessible to all users. Learn about our accessibility practices and how to contact us for help.
- [Unpredictable Markets Can Threaten Retirement Income Plans St Louis](https://fta-ria.com/markets/) - Download Your Free Market Volatility White Paper Today In just 5 minutes, you’ll learn: • How to shrink sequence of returns risk • Ways to protect income in down markets • A clear path to retirement confidence Don’t let volatility derail your retirement. Download your free guide now and take the first step toward security
- [St Louis Social Security 101 - FTA](https://fta-ria.com/ss-101-stlouis/) - Learn smart strategies to maximize benefits and plan your retirement. Register for your free social security class in St. Louis today.
- [Nashville Social Security 101 - FTA](https://fta-ria.com/ss-101-nashville/) - Learn smart strategies to maximize benefits and plan your retirement. Register for your free social security class in Nashville today.
- [Terms & Conditions](https://fta-ria.com/terms-conditions/) - Read the terms and conditions governing use of the Financial & Tax Architects website and the services we provide.
- [Insurance](https://fta-ria.com/insurance/) - FTA clients can access their insurance accounts here. Log in to Allianz, Athene, Nationwide, Prudential, and dozens of other carrier portals from one place.
- [Disclaimer](https://fta-ria.com/disclaimer/) - Important disclosures from Financial & Tax Architects, LLC. This site is for informational purposes only and does not constitute financial, legal or tax advice.
- [Contact](https://fta-ria.com/contact/) - Want to secure your savings for retirement? Contact Financial & Tax Architects for a complimentary discovery call to discuss your goals.
- [Randy Knapp](https://fta-ria.com/randy-knapp/)
- [Retirement 101 Class - Sean Kenney](https://fta-ria.com/sean-kenney/)
- [On The Radio](https://fta-ria.com/on-the-radio/)
- [It’s Nice to Meet You! How Can We help?](https://fta-ria.com/can-we-help/) - It’s Nice to Meet You! How Can We help? If you have retirement on your mind, chances are you have some unanswered questions or concerns. If so, we would like to hear about them (really!) and give you the information you need. Two Ways We Can Answer Your Questions – However You Like to Learn Join
- [Mark R. Kukielski](https://fta-ria.com/mark-r-kukielski/)

## Form Preview

- [Form Preview](https://fta-ria.com/?gfdt=preview)

## Categories

- [Retirement Strategies](https://fta-ria.com/category/retirement-strategies/)
- [Retirement Advice](https://fta-ria.com/category/retirement-advice/)
- [Social Security](https://fta-ria.com/category/social-security/)
- [Tax Planning](https://fta-ria.com/category/tax-planning/)
- [Required Minimum Distributions](https://fta-ria.com/category/required-minimum-distributions/)
- [Retirement Planning](https://fta-ria.com/category/retirement-planning/)
- [Market Update](https://fta-ria.com/category/market-update/)
- [Retirement lifestyle](https://fta-ria.com/category/retirement-lifestyle/)

## Tags

- [Required minimum distributions](https://fta-ria.com/tag/required-minimum-distributions/)
- [RMD](https://fta-ria.com/tag/rmd/)
- [Retirement](https://fta-ria.com/tag/retirement/)
- [Recurring Income](https://fta-ria.com/tag/recurring-income/)
- [Retirement plan](https://fta-ria.com/tag/retirement-plan/)
- [Tax traps](https://fta-ria.com/tag/tax-traps/)
- [etirement](https://fta-ria.com/tag/etirement/)
- [Social Security](https://fta-ria.com/tag/social-security/)
- [Retirement planning](https://fta-ria.com/tag/retirement-planning/)
- [Tax planning](https://fta-ria.com/tag/tax-planning/)
- [Risk](https://fta-ria.com/tag/risk/)
- [Market](https://fta-ria.com/tag/market/)
- [Retirement Plans](https://fta-ria.com/tag/retirement-plans/)
- [taxes](https://fta-ria.com/tag/taxes/)
- [charitable giving](https://fta-ria.com/tag/charitable-giving/)