The number that reframes the entire conversation The American divorce rate has fallen to 2.4 per 1,000 people, the lowest level since 1970. Inside that decline sits a trend moving in the opposite direction. Divorce among adults 50 and older now accounts for roughly 36% of all U.S. divorces, and the rate among adults 65 […]
Retirement Planning
Build a Retirement Portfolio That Powers Your Ideal Lifestyle
That means building the portfolio around the retirement you want, then managing it to support sustainable retirement income through changing markets and evolving retirement income needs as life unfolds. The six building blocks 01 Lifestyle-Driven, Goals-Based Planning Know what you want retirement to look like first. 02 Total-Return Portfolios Stocks, high-quality bonds, cash equivalents, and […]
Invest or Repay Student Loans? A Smart Guide for Young Professionals
For young professionals starting their careers, one of the biggest financial questions is: Should I pay off my student loans early or start investing to build wealth? With rising living costs, modest entry-level salaries, and student debt at record highs, this decision carries enormous weight for your long-term financial success. The challenge is that in […]
Continuing Care Retirement Communities: Costs, Contracts, and Planning Strategies
For many retirees, staying in the family home feels grounding and familiar. With the support of in-home care services, aging in place remains one option. Others consider Continuing Care Retirement Communities (CCRCs), which may offer several levels of housing and health-related support, such as independent living, assisted living, skilled nursing, and memory care. The services […]
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 Reduction in Force: What Changes on September 2, 2026
The Office of Personnel Management has finalized four rules that change how reductions in force are conducted and how they can be challenged. The rules take effect September 2, 2026. The date of your notice determines which set of rules applies to you. Federal workforce reductions have continued through 2026, and the framework governing them […]
Target Date Funds: When a Simple Retirement Strategy May Not Be Enough
That simplicity can be useful. It also comes with trade-offs. A target date fund follows a predetermined allocation path based largely on an anticipated retirement year, which may or may not reflect an individual investor’s financial circumstances, risk tolerance, or retirement goals. Four limitations to understand The Illusion of Simplicity A single retirement year cannot […]
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