EverPar Advisors

Claiming Social Security at 62 to "lock in" your benefit before the system runs into trouble sounds logical. In practice, it tends to work against you.

Taking benefits early comes with a permanent reduction of up to 30% that follows you for the rest of your life. And if Social Security ever did face serious funding issues, that reduction would not protect you anyway.
Before making a decision you cannot undo, it is worth understanding what you are actually locking in.

Ken Petrashek, CFP® and Courtney Hoffman, CFP®, AAMS™ break down this and five other common Social Security myths in their latest video.

Watch the full video on our YouTube channel or visit the EverPar Insights page at everpar.com to learn more about how Social Security timing affects your long-term retirement income.

How is private credit income taxed?

Private credit income does not come with preferential tax treatment.

Distributions are taxed as ordinary income and reported on a 1099, making it one of the less tax-efficient asset classes from a holding perspective.

Most private credit funds distribute income monthly, with some paying quarterly. For clients who are investing for stability and total return rather than immediate income needs, EverPar will typically place those assets inside an IRA.

That approach shields distributions from ordinary income tax each year, which can potentially make a meaningful difference in after-tax returns over time.

Where private credit sits in a portfolio is a client-by-client decision based on the full tax picture.

In the full video, EverPar's Director of Investments, David Ellis, covers the complete breakdown of how private credit works, who it's designed for, and how EverPar thinks about portfolio placement.

Visit our EverPar insights page for the full video (or our YouTube channel!)

Private credit offers a yield advantage over public credit, but that advantage comes with a tradeoff: liquidity.

With public credit, investors can typically access their money within a couple of days. With private credit, redemptions are available quarterly and generally capped at about 5% of the fund's value per quarter. If more investors request withdrawals than that in a given quarter, the excess carries over to the next.

The reason investors accept that tradeoff: historically, private credit has generated returns roughly 2% to 3% higher than public markets, largely as compensation for reduced liquidity.¹

In our latest video, EverPar's Director of Investments, David Ellis and Senior Advisor, Michael Christian CFA®, CAIA® walk through how private credit works, who it's designed for, and what to expect as an investor.

Visit our EverPar insights page or check out our YouTube channel for the full video.

¹https://www.federalreserve.gov/econres/notes/feds-notes/private-credit-characteristics-and-risks-20240223.html

Many people know they can contribute to a 401(k). Far fewer know about the third contribution bucket that some plans allow, one that can unlock tens of thousands of additional dollars into a Roth account every single year.

The mega backdoor Roth works through your employer plan rather than an IRA, and the numbers are substantially larger. In 2026, the total 401(k) plan cap sits at $72,000¹. For many high earners, there is a significant gap between what they and their employer contribute and that ceiling.

If your plan allows it, that gap can be filled with after-tax contributions and converted directly to Roth.

Michael Christian, CFA®, CAIA® and Courtney Hoffman, CFP®, AAMS™ walk through the mechanics and real numbers behind the strategy so you can see exactly how much room you might have.

Check out the insights page on our website for the full video.



¹Source:https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500

If your income is above the Roth IRA limit, a direct contribution is off the table. But that doesn’t mean a Roth is off the table entirely.

The backdoor Roth is a straightforward two-step strategy that allows high earners to still access tax-free retirement growth. Contribute to a traditional IRA, convert it to a Roth, and you’re in. Done consistently over time, the compounding impact is significant.

In our latest video, Courtney Wulf Hoffman, CFP®, AAMS™ and Michael Christian, CFA®, CAIA® walk through exactly how it works and what it can mean for your retirement savings over the long run.

Check out our insights page at everpar.com to watch the full video.

Two retirees can withdraw the exact same dollar amount and end up in completely different financial situations. The difference comes down to which accounts they pulled from and when.

Withdrawal sequencing affects more than just your tax bill. It influences your Medicare premiums, how your required minimum distributions play out down the road, and how well your portfolio holds up during a market downturn.

Getting the order wrong in the first few years of retirement can have a lasting impact on how long your money lasts.

This is the part of retirement planning that tends to catch people off guard, and it's one of the most important conversations we have with clients at EverPar.

If this is something you're thinking through, the full conversation is worth a watch on our Insights page!

EverPar Advisors LLC (“EverPar”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where EverPar and its representatives are properly licensed or exempt from licensure.

Saving for retirement is only half the equation. Knowing how to pull money out efficiently is where a solid plan really pays off.

When and how you contribute to a Traditional 401(k) versus a Roth, or even when a Roth conversion makes sense…it’s all important to building your withdrawal strategy.

This is one of the first conversations we have with clients when building a retirement income plan, because the decisions you make during your working years set the foundation for everything that comes later.

We recently published a new video & article on retirement accounts and how to pull in the right order to maximize tax-efficiency. Check it out in our insights section!



EverPar Advisors LLC (“EverPar”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where EverPar and its representatives are properly licensed or exempt from licensure.