When Should I Plan for Long‑Term Care?
Though no one likes to think about it, as we age, we may not always be able to handle things on our own. When daily activities become too difficult, long-term care helps provide the assistance we may [...]
Hidden Retirement Costs—What You Don’t Plan for Can Impact Your Finances
What exactly are “hidden costs” in retirement? Hidden costs are the expenses that don’t make it into your retirement spreadsheet—but still show up in real life. They include things like rising healthcare bills, inflation, home repairs, and [...]
Follow the Bond Market to Better Understand Your Finances
On May 16, 2025, Moody's downgraded the U.S. sovereign credit rating from Aaa to Aa1, citing concerns over the nation's rising debt and interest payment burdens. This move follows similar downgrades by S&P in 2011 and Fitch [...]
What Retirees Need to Know About the New “One Big Beautiful Bill”
President Trump’s newly passed “One Big Beautiful Bill” (OBBB) is making headlines, and retirees might want to pay close attention. Aimed at expanding the 2017 Tax Cuts and Jobs Act (TCJA), this sweeping legislation includes a mix [...]
Claiming Social Security at the Right Time Could Change Your Retirement
For many retirees, Social Security isn’t just a monthly deposit—it’s the foundation of their entire retirement income. But choosing when to claim it isn’t as simple as picking a birthday and signing paperwork. It’s a decision with [...]
Why It’s Crucial to Boost Savings Before Retirement
For those nearing retirement, there’s one truth that becomes increasingly clear: the window to build wealth narrows with each passing year. While starting early is always ideal, it’s not too late for pre-retirees in their 50s or [...]
4 Key Birthday Milestones in Retirement—and What They Mean for Your Financial Strategy
Birthdays in retirement aren’t just a reason to celebrate—they’re also checkpoints that can unlock new financial opportunities (or trigger important deadlines). From Social Security eligibility to Required Minimum Distributions (RMDs), several key ages mark turning points in [...]
What to Do With Leftover 529 Plan Funds After Graduation
By Jason Griffith Watching your child walk across the graduation stage is a moment you’ll never forget—full of pride, joy, and maybe even a few happy tears. It also marks the end of a significant financial chapter: [...]
Protecting Your Legacy: How to Navigate Wealth Transfer Taxes Amid Uncertainty
Careful planning is essential to help ensure your wealth passes efficiently to your loved ones. With significant changes potentially on the horizon, estate and tax planning remains crucial. The federal estate tax exemption stands at $13.99 million [...]
Post-Tax Season Tips for Pre-Retirees
Tax season is behind us, but for pre-retirees—those within 10-15 years of retirement—this is the perfect time to reassess financial strategies. The decisions you make now can significantly impact your retirement lifestyle, taxes, and financial security. Here [...]