The Hidden Risks of Filing Social Security Filing for Social Security might seem straightforward: pick a date, sign the paperwork, and wait for the checks to roll in. But in reality, there are crucial timing, tax, and strategic considerations that can derail your retirement income plan if overlooked. These missteps can delay income, reduce lifetime […]
Retirement Isn’t the Finish Line For many people, the word “retirement” evokes images of slowing down, living off savings, and withdrawing from financial growth. But the truth is, retirement doesn’t have to mark the end of building wealth. In fact, with the right approach, retirees can continue growing their assets and leaving a meaningful legacy […]
There’s nothing quite like the feeling of closing a deal. You’ve worked hard, stayed persistent, managed high-maintenance clients, and somehow kept the deal alive until signing day. The wire hits. The commission clears. For a brief moment, it feels like everything is worth it. But three months later, you’re back in the grind—and somehow, that […]
We’ve worked with clients at all stages of retirement planning, and we can tell you that the last decade before retirement is one of the most critical—and often the most stressful—periods in a person’s financial life. Here are seven mistakes we see people make as they approach retirement: 1. Tightening Up the Budget Too Much […]
Let me cut to the chase: yes. And us planners have been recommending that for years. You absolutely should plan for retirement like Social Security won’t be there for you. That’s not some alarmist, prepper-style rant—it’s just practical financial planning. If it’s there when you retire? Great. That’s a bonus. But if it’s not? You’ll […]
