Devon Littlefield's LTM E-Newsletter - January/February 2026

Devon Littlefield

Financial Advisor

Reliant Investment Services

Located at

Reliant Community Federal Credit Union

10 Benton Place, Sodus, NY 14551

Phone: 800-724-7889 Opt. 1

Email: devon.littlefield@lpl.com

January/February 2026

Retiring Early in 2026?

Black woman happily planning her retirement from the comfort of her own home. Mature woman sitting at a table with her laptop, writing her goals and dreams for the future in a journal.

As your retirement date approaches, it's essential to develop a comprehensive strategy that aligns with your personal goals and desired lifestyle. Retirement is not merely a departure from the daily grind; it's an exciting chapter that offers the opportunity to delve into passions, create lasting memories, and build a legacy that reflects your values. To ensure a smooth transition into this new phase, consider the following essential factors.

Identify What Retirement Means to You

Is it about traveling to new destinations, immersing yourself in hobbies, or dedicating time to family? Articulating your aspirations will guide your financial and lifestyle adjustments. Think about your vision: would you like to spend your winters in a warmer climate? Or perhaps you envision a quieter life enriched with community service and local engagement. Knowing your goals will help you make informed decisions regarding your finances.

Coordinate Your Income Sources

You (and your spouse or partner, if applicable) probably have various retirement investment vehicles at your disposal, such as 401(k), 403(b), 457 plan accounts, company pensions, and IRAs. You may have the proceeds from selling a business. Look at them as a whole and consider how to maximize them before you retire.

If possible, make the maximum retirement savings plan accounts for 2025 (if you haven't already) and 2026 before you retire to pack away more retirement funds and ensure you are maximizing any employer matching contributions. Do the same with IRA contributions, if eligible. You can make an IRA contribution for 2025 of up to $7,000/$8,000 if age 50 or older until April 15, 2026. Contributions for 2026 can be made starting January 1.

Consider Taxes

Remember, most retirement plan distributions are taxed at your personal tax rates, while Roth account distributions are tax-free. Discussing your retirement assets with a trusted professional and how they can best serve you is a key step to a secure retirement. Another is aligning your retirement accounts to optimize your tax strategy. This could significantly impact your overall retirement income.

Create a Legacy

Finally, consider how you want to leave a lasting impact. Whether through philanthropic efforts, heritage investments, or maintaining your family's wealth, having an estate strategy in place ensures that your wishes are honored and that your legacy remains intact.

By understanding your retirement goals, optimizing your retirement savings accounts, reviewing your investments, and planning your legacy, you can embark on your retirement journey with confidence and excitement.

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Devon Littlefield is a financial advisor with, and securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Reliant Community Federal Credit Union and Reliant Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Reliant Investment Services, and may also be employees of Reliant Community Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Reliant Community Federal Credit Union or Reliant Investment Services. Securities and insurance offered through LPL or its affiliates are:

This publication is not intended as legal or tax advice. All individuals, including those involved in the estate planning process, are advised to meet with their tax and legal professionals. The individual sponsor of this newsletter will work with your tax and legal advisors to help select appropriate product solutions. We do not endorse or guarantee the content or services of any website mentioned in this newsletter. We encourage you to review the privacy policy of each website you visit. Limitations, restrictions and other rules and regulations apply to many of the financial and insurance products and concepts presented in this newsletter, and they may differ according to individual situations. The publisher and sponsor do not assume liability for financial decisions based on the newsletter’s contents.
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