A well-designed retirement portfolio serves as a powerful foundation for supporting the dynamic and evolving plans that real people live, bringing peace of mind and flexibility throughout retirement. A client-centered, goals-based, total-return strategy, integrated with every aspect of a financial life, delivers lasting confidence and adaptability for sustainable retirement income. Lifestyle-Driven, Goals-Based Retirement Planning A […]
Retirement Planning Articles
Continuing Care Retirement Communities: Costs, Contracts, and Planning Strategies
People often picture retirement as a chapter of freedom and enjoyment, but they also face big choices, especially about where to live. For many retirees, staying in the family home feels grounding and familiar. With the support of in-home care services, aging in place remains a popular option. However, a growing number of seniors are […]
How to Apply for Social Security in 2025: A Step-by-Step Guide
Applying for Social Security is a key milestone in your retirement journey. To help reduce stress and make the process more manageable, we’ve broken it down into straightforward steps. This guide covers eligibility, timing, required paperwork, and the application process, enabling you to move forward with confidence. 1. Check Your Eligibility Before you apply, confirm […]
Federal Worker’s Guide to Layoffs and Benefits
The recent layoffs of federal workers have sent shockwaves through the U.S. government, leaving thousands of employees uncertain about their future. As the Department of Government Efficiency (DOGE) continues to downsize the federal workforce, many are forced to consider early retirement or apply for unemployment benefits. This article delves into the complexities of navigating these […]
Maximizing Social Security After Divorce & Remarriage
Divorce and remarriage can significantly impact various aspects of life, including financial planning and Social Security benefits. Understanding how these life events affect Social Security is crucial for making informed decisions about retirement and financial security. This article delves into the effects of divorce and remarriage on various types of Social Security benefits, such as […]
Medicare Late Enrollment Penalties: Essential Guide to Avoiding Costly Fees
Medicare is a crucial health insurance program for Americans aged 65 and older and for certain younger individuals with disabilities. However, failing to enroll in Medicare at the right time can result in costly penalties that may last a lifetime. This article will explore the penalties associated with late enrollment in Medicare Parts A, B, […]
The Hidden Risks of Target Date Funds: A Guide to Smarter Retirement Investing
Target-date retirement funds have become increasingly popular within employer-sponsored retirement plans in recent years, offering investors a seemingly simple “set it and forget it” approach to retirement planning. However, the static nature and inflexible asset allocation of these funds can present significant downsides for many investors. This article explores the potential drawbacks of static target […]
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