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It’s not exactly a compliment to be called a control freak, but let’s face it—aren’t we all a little bit of one? We all want to feel like we have control over our lives, and...

After more than 20 years of working with retirees, I’ve observed that individuals tend to fall into one of four distinct mindset categories as they approach retirement. These attitudes,...

If your income surpasses certain thresholds, you may face additional charges known as the Income-Related Monthly Adjustment Amount (IRMAA). This surcharge applies to Medicare Part B and Part D...

The Social Security Fairness Act (HR 82) is a landmark piece of legislation signed into law on January 5, 2025. Below, we answer some of the most frequently asked questions about what this law...

 After working with retirees for more than two decades, I’ve observed that many of them have the same feelings when they talk about money. One of the most consistent emotions is...

We like to believe the numbers tell the whole story when it comes to financial planning. After all, when the math is clear, it seems like the obvious guide for our decisions, right? But what...

When planning for retirement, one of the most critical yet overlooked factors is estimating how long you'll live—your longevity age. Many people rely on anecdotal observations, like when...

Many people underestimate their chances of needing long-term care as they age. In fact, 70% of people turning 65 will require some form of long-term care during their lifetime, and nearly half...

Retirement planning software typically uses Monte Carlo simulations to model a range of possible future outcomes for an individual’s retirement portfolio. The core of this process is built on...

Inflation affects everyone, but it doesn’t affect everyone in the same way. Two key measures of inflation are the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) and...

John stared at the papers scattered across his dining table. Retirement was supposed to be a time of relaxation and enjoyment, but here he was, knee-deep in the complexities of financial planning....

The Google search traffic for "flat fee financial advisors" is exploding. At last check, the year-over-year increase in users searching for that term has surged by 900%! It's easy to understand why...