John Garvey on Muck Rack

John Garvey

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Newbury
As seen in: Newbury Weekly News, LinkedIn, The Daily Mirror, PLOS ONE, The Wall Street Journal, Entrepreneur, The Hill, Irish Independent, The Chronicle of Higher Education, Aleteia, Above the Law and

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Articles

The Hidden Cost of “Set-It-and-Forget-It” Investing Near Retirement

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By John Garvey Verified
| blandgarvey.com
For decades, “set it and forget it” has been a good rule of thumb for investors. Consistently saving. Staying invested. Ignoring short-term market noise. For many people during their working years, that approach works well. But the strategy that helps build wealth during your accumulation years can quietly create new risks and tax inefficiencies as retirement approaches. Around your mid-50s and beyond, the financial landscape starts to change—and your investment strategy often needs to change with it.
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What Does a Tax-Smart Second Opinion Actually Look Like?

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By John Garvey Verified
| blandgarvey.com
Most investors review their portfolio by looking at performance. Did it beat the market? Did it go up this year? Is it doing roughly what was expected? But performance alone doesn’t explain how a portfolio is actually structured. A tax-smart second opinion approaches the review differently. It looks at a portfolio more like a financial X-ray—examining the underlying structure of the investments, how they are positioned across different types of accounts, and how taxes may affect outcomes over time.
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Qualified Charitable Distributions (QCDs): A Tax-Smart Giving Strategy for Retirees and Their Families

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By John Garvey Verified
| blandgarvey.com
What if your charitable giving could go further, without asking you to give more? For many retirees, that choice exists. They just don’t realize it. Consider a common hypothetical situation. A retiree gives $1,000 every month to their church—$12,000 a year. The giving is consistent and meaningful. The money comes from their checking account, funded by withdrawals from an IRA. Now add a few realistic details: They’re in a 30% combined federal and state tax bracket.
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