I don’t have to tell you how quickly 2023 passed us by. It seems like we just ushered in the New Year and now we’re about to get to know 2024, just like that. Over the past year, we’ve seen incredible rises in interest rates, a stock market that’s finding its footing once again, and a news year that continues …
We often talk about building a retirement plan that allows you to sleep well at night, free from the worry of the markets, economy, and scary headlines. And while this will continue to be our goal as retirement planning professionals, what about actual sleep habits? If you’ve ever been to leadership training, you know that’s where you’ll find some of …
We are delighted to share the joyous success of our recent Holiday Open House at our new office space! The festive spirit was in full swing as colleagues, clients, and friends gathered to celebrate the season together. Attendees enjoyed a delightful array of seasonal treats and beverages, spreading cheer and camaraderie throughout the evening. The event not only showcased our …
Approaching retirement age is an exciting time for most. The opportunity to spend more time doing the things you enjoy, and may have put off, leads many aspiring retirees to dream about the future like they haven’t in years. While this new phase of life can be deeply satisfying, it can also result in new and unique fears. Retiring at …
Plan like you will live forever, live like you will die tomorrow. Retirement planning is one of the great balancing acts: you suspect you’re not going to live forever, but what if you do? And maybe forever isn’t really forever, but what if it’s to 112 years old? Are you ready for that, at least financially? It turns out that …
Another new year is upon us. How did that happen? In some ways it feels like the last four years flew by in an instant. In other ways, it feels like we’ve lived a lifetime or more since 2020. Life is definitely not slowing down in my household these days. Our kids are in high school and middle school and …
As I scan the retirement advice landscape, I’m noticing more and more ‘gurus’ pushing a work-‘til-you’re-70 narrative. The reason? The vast majority of American workers will need to work longer than they may have anticipated because of lack of savings and retirement assets, while also living longer lives (making for a longer retirement). And while delaying retirement may be a …
I’ve had the pleasure of teaching many retirement and tax classes at colleges and universities. In the classes, we sought to deepen our understanding of how our tax system works as it pertains to investments and income sources, as well as consider some strategies available to a retiree to pay only their fair share of taxes during retirement. While the …
There’s a great expression that goes something like this: 84% of statistics are made up on the spot. See what happened there? We’ll often see statistics being used for persuasive purposes, but what if there’s more to most stats than meets the eye. What if the story being sold isn’t the real story at all? What’s more, how often are …
So much attention is paid to the growth (or decline) of the stock market that I fear we can become hypnotized by it and fall prey to sloppy fundamentals from time to time. How do I know this? Because many of the people we work with admit to receiving each investment statement and simply doing the ol’ “Is it up …
