Retirement Planning

Want to make the most of your Roth IRA contributions in 2026? You're in the right place, and it's a smarter move than many realize. As a financial planner for nearly 30 years, I’ve seen how understanding annual retirement account limits can mean the difference between a future flush with tax-free cash and one...

Alright, let's looks into Required Minimum Distributions, or RMDs. If you're cruising into age 73 in 2026, or perhaps you're already there, Uncle Sam has a yearly to-do list for you: start taking withdrawals from most of those retirement accounts you’ve so carefully built up.  Doesn't it feel a bit like finally...

I’ll never forget Jim and Carol. Both were clients, both retired at 62 with identical $1 million portfolios and the same “balanced” 60/40 retiree asset allocation. By all accounts, their futures looked the same. They weren't. Jim retired in late 2007, just before the Great Financial Crisis. Carol retired in...

Will Social Security run out before you retire? You’re not alone if you’ve lost sleep over that question—especially with headlines about trust fund depletion and benefit cuts making the news almost daily. Just recently, one of my clients gasped when she learned her expected benefit could be slashed by...

I’ll never forget the chill that ran down my spine, and my soon to be client’s. October 24th, 2008. David, a sharp engineer who’d meticulously planned his retirement for years and had only just hung up his hat. He logged into his portfolio in my office. The silence was...

Alright, let's talk retirement savings. You're likely here because you're wondering, maybe even worrying, if you're actually putting away enough. It’s the question I heard constantly over 25 years of advising real people. Engineers, teachers, small business owners. They’d used generic online calculators, got a big confusing number, and...

Look, if you've been with Publix for a while, you probably own a decent chunk of stock. That's great, it shows you believed in the company and stuck around. But here's the thing: having too much of your net worth in any single stock is risky as hell for...

Is starting the biggest hurdle keeping you from a secure retirement? Forget generic advice. Let's get specific. I've helped thousands just like you take their first Roth IRA step in 2026. And it's often the start of a major financial shift. Ready to learn how to open a Roth...

Finding your old 401k accounts can feel like searching for a needle in a haystack. But locating those lost funds is crucial for your retirement planning. As a financial advisor, I've helped many clients in this exact situation. The good news? New tools like Beagle 401k Finder make tracking...

The average 403(b) balance hit $125,400 in Q2 2025—up 8.7% in one quarter. That's what compounding does when you're contributing consistently. But most educators and nonprofit workers don't realize a 5% increase in contributions over 30 years can add $600,000+ to their retirement balance. The 2026 contribution limit jumped...