Core Insights - The 50s are a crucial period for retirement savings, as individuals may be nearing the end of their careers and planning for retirement activities [1] Retirement Savings Mistakes - It is essential to utilize the final decade in the workforce to ensure a strong start to retirement [2] Mistake 1: Ignoring Catch-Up Contributions - Individuals aged 50 and over can make catch-up contributions to their IRA or 401(k), which can significantly enhance retirement savings. In 2026, the catch-up contribution for IRA savers will be $1,100, raising the total contribution limit to $8,600. For 401(k) plans, the catch-up contribution can reach $8,000, with a total allowable contribution of $32,500. Special provisions allow those aged 60 to 63 to contribute up to $11,250, with a maximum of $35,750 for 401(k) contributions [4][5] - High earners (over $150,000 in 2025) will only be able to make catch-up contributions to a Roth 401(k), which eliminates the upfront tax break but allows for tax-free gains and withdrawals. Employers must offer a Roth option for this to be viable [6] Mistake 2: Overly Aggressive Stock Selling - As retirement approaches, it is prudent to reduce risk in investment portfolios. However, individuals should avoid excessively selling stocks in their 50s, as they may still have several years before retirement. A balanced approach is recommended, where individuals assess their stock investments and consider replacing high-growth stocks with more stable dividend stocks [7][9]

Group 1 - The analysis provided by the company aims to help investors achieve higher profits and income while minimizing risk through various investment strategies including ETF asset allocation, growth stocks, dividend stocks, REITs, and option selling for income [1][2] - Kirk Spano's Margin of Safety Investing service offers institutional-level insights, featuring stock and ETF focus lists, trade alerts, and curated investment analysis, which are designed to enhance profitability and reduce risk [2] Group 2 - The company emphasizes the importance of self-directed investing and provides resources for investors to make informed decisions, although it operates separately from its Registered Investment Advisor services [4]

Group 1 - The company is increasing the price of its Margin of Safety Investing service from $499/year to $999/year starting June 2nd due to the profitability of its strategies and to limit the number of subscribers [3] - The investment strategies offered include A Better Option Wheel, ETF Asset Allocation, Growth Stocks, Dividend Stocks, REITs, and macro analysis [3] Group 2 - The company emphasizes the effectiveness of selling covered calls on stocks as a profitable trading strategy [1]