Wisdom from the Blog.

The decade before retirement is when everything changes. You're shifting from pure accumulation to transition planning. The decisions you make now - Social Security timing, Roth conversions, healthcare bridge strategy - have irreversible, decades-long consequences. Claim Social Security at the wrong time? That decision follows you for life. Miss the Roth conversion window between retirement and RMDs? You've lost an opportunity that doesn't come back. Retire at 60 without a he

A Bumpy Year Reminds Us Why Patience Pays Off: Lessons from 2025 If you watched the news in 2025, you probably felt stressed about your investments. There were tariff battles, a 43-day government shutdown, interest rate changes, and worries about AI. The headlines were overwhelming. But here's the surprising truth: the S&P 500 gained almost 18% for the year. That's three years in a row of double-digit gains. The lesson? What feels scary in the moment often looks very differen

When you determine how much income you'll need in retirement, you may base your projection on the type of lifestyle you plan to have and when you want to retire. However, as you grow closer to retirement, you may discover that your income won't be enough to meet your needs. If you find yourself in this situation, you'll need to adopt a plan to bridge this projected income gap. Delay retirement: 65 is just a number One way of dealing with a projected income shortfall is to sta

Reaching retirement can feel like crossing the finish line at the end of a 30-, 40-, or even 50-year-long marathon. Therefore, many of us...

In the past, retirement has been portrayed as an ending, a grand exit from your years in the workplace. But the rules are shifting. Labor...

For many Americans, Social Security is the bedrock of their entire retirement income plan. When it comes to claiming Social Security...

In 2024, the average monthly social security benefit for retired workers was $1,907. Whether this amount seems like a lot or a little...

You may receive some estate planning advice: "Write a will, get it notarized, etc.” You already knew how to do that. It would be best to...