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Michael Santiago, CRPC™
Education
BA, Media and Communications
University of Washington
About
Michael Santiago is a Chartered Retirement Planning Counselor™ and the senior financial editor at Annuity.org and RetireGuide.com. With over ten years of experience across various industries, he has crafted and refined content in fields such as health care, education, and financial planning. Michael is dedicated to producing accurate and impactful financial content that empowers readers to make informed decisions.
Fact-Checked Articles by Michael Santiago, CRPC™
What Is a Backdoor Roth IRA?
Updated Oct 11, 2024
The backdoor IRA method allows you to convert nondeductible contributions to your traditional IRA into a Roth IRA. We break down how it works and the process’s pros and cons.
What Is Tax Diversification?
Updated Sep 3, 2024
Tax diversification is a strategy that can help you save money and gain flexibility. We break down how it works here.
Should You Get a Job After You Retire?
Updated Aug 30, 2024
Getting a job after you retire allows you to gain purpose and additional income. We will explain what you should know about returning to work.
What Is the Rule of 55?
Updated Sep 3, 2024
The rule of 55 allows you to withdraw funds from your workplace retirement plan penalty-free. Learn how it works here.
How the SEC Regulates Financial Advisors
Updated Oct 11, 2024
The SEC is an agency that protects investors and maintains fair markets. We explain how they regulate the financial advisory industry.
Required Minimum Distributions: What to Know
Updated Oct 11, 2024
Required minimum distributions (RMDs) are amounts you must withdraw from retirement accounts each year, starting at 73. Learn how they work and about their impact.
Understanding Financial Advisor Disclosures
Updated Oct 11, 2024
Disclosures allow you to assess a financial advisor’s disciplinary history, including regulatory or legal actions. We explain how they work and why they’re so important.
What Is the FIRE Movement?
Updated Oct 11, 2024
The FIRE Movement is a popular strategy for retiring early. Learn how it works and its pros and cons here.
How to Choose a Financial Advisor
Updated Aug 30, 2024
Finding a financial advisor is tough with so many options on the table. This article will help you get started and narrow your search.
What Is a Financial Advisor?
Updated Aug 30, 2024
Financial advisors can help you manage your money responsibly. Find out what they do, how to find one, the cost to hire one, and more.