Back to the Basics: Converting Retirement Savings into Reliable Retirement Income
Retirement planning isn’t about betting on a single investment or hoping a market rally will carry you through. It’s about designing a durable plan that converts your savings into steady, dependable income so you can live your best years with confidence. Here’s a practical framework to achieve that without guessing. 1. Start with a clear income target Begin by translating …
Briefcase Study: Puzzle Pieces
“Barb hates this stuff.” Roger has been the “long-term investments manager” in their marriage for many years, decades in fact. While his wife, Barb, has been masterfully managing the checkbook, credit cards, and other day-to-day financial matters for the duration of their marriage, she has never enjoyed sitting down to talk investments. As a result, getting on the same page …
Client Corner: Rena
When I was in my early 20’s I joined the Air Force, which gave me the opportunity to meet my husband and travel overseas. My first base was in the Philippines, then Germany, where I explored Spain, Norway, England, Holland, France, Luxembourg and Austria. After getting out in the late 80s, travel shifted to family visits and domestic destinations like …
2026 Summer Newsletter: Salt Lake City
Oh boy! It’s a hot one out there this summer. I hope you’re staying cool while enjoying your summer plans. As usual, my little family is staying very busy this summer. My daughter, Coraline, is preparing for her senior year of high school. She’s on the varsity cheer team again at her school, which comes with early morning practices almost …
Client Corner: Carolyn
After I retired, I initially worried about how I would fill my days without the structure of a 30+ year career. Work had long defined my routine, balancing job responsibilities with family life, vacations, and fun. My husband Gene is still working, so I began navigating retirement on my own. We moved to Southern Utah the day after I retired, …
2026 Spring Newsletter: Salt Lake City
The first few months of 2026 were busy for me and my family. January brought the official start of the baseball season to our household. Our son, Michael, began his regular practice schedule and he and I traveled to Phoenix for a few days to enjoy some baseball in the sunshine. I’m helping our high school baseball team again this …
Briefcase Study: Spring Is a Time to Revisit Home as Part of Your Retirement Strategy
Spring is in the air (finally!), and with it comes the annual nudge to refresh, replace, and reconsider. For many people, including those nearing or in retirement, that nudge isn’t just about changing curtains or mulching flower beds; it’s about rethinking one of life’s largest financial and emotional commitments: where we call home in retirement. In my experience, the most …
Back to the Basics: Taxes: The Illusion You Can’t Afford
When a magician yanks a rabbit from a hat, we instinctively know the truth: it isn’t magic. It’s misdirection. It’s sleight of hand, a well-timed pivot that draws your attention to one spot while the real trick unfolds elsewhere. That same maneuver shows up in your financial life. We tend to fix our gaze on the obvious: investment returns, coupons, …
2026 Winter Newsletter: Salt Lake City
Here we go again! Another year, another new beginning. Often in January many of us take a pause and reflect on the year we just said goodbye to as well as focus on the year ahead. Some of us make goals, make resolutions or promise to break bad habits. Some of us just take stock of what we’ve experienced and …
On the Gridiron
Congratulations to a member of our team, Nic Ceballos, as he will be continuing his college education and football pursuits at Utah Tech University! Nic’s commitment, perseverance, resilience, and hard work has landed him an opportunity to fulfill his dream of being a D1 collegiate student athlete. Nic spent this past year as a marketing intern for Elevated Retirement Group. …
