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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...

The S&P 500 index is known for its broad representation of the U.S. economy, but the distribution of investments within it reveals a significant concentration of capital among its largest...

The rising popularity of flat-fee financial advisors is driven by their promise of transparency and a simple, predictable fee structure. This model, where clients pay a fixed fee regardless of...

A Summary of the You Earned It, You Keep It Act

In recent news, the proposal to eliminate federal taxes on Social Security benefits has resurfaced, sparking excitement in the media and discussion...

The Social Security spouse benefit is one of the most generous benefits from the Social Security Administration! In fact, these benefits are not only generous but also incredibly important when you...

If you’re thinking about the right time to file for Social Security benefits, utilizing a break-even calculator for Social Security can provide invaluable insights in making an informed...

“When I retired, no one told me to expect this.”

This is a sentiment I’ve heard frequently in my over two decades of guiding individuals through their retirement journey. In most...