Thomas Clark is a Series 65 licensed investment advisor and experienced trader. He specializes in investing, retirement planning, and market analysis, helping individuals build wealth and make informed financial decisions.
The Social Security Fairness Act repealed WEP and GPO, retroactive to January 2024. Here's what changed for public-sector retirees, what still applies, and why your retirement…
The official inflation number is built around a working-age household. For retirees, the gap between the headline and the lived experience at the grocery store and…
The single Mother's Day conversation most families skip: where every account, beneficiary form, and password actually lives — and why one binder beats six logins.
Key Takeaways Women live an average of 5-6 years longer than men, which means their retirement savings must last significantly longer — often 25-30+ years. The…
Most retirement plans size the income bucket by guessing a portfolio percentage. The right way is to start with essential expenses, subtract guaranteed income, and let…
Key Takeaways Four Medicare Savings Programs exist — Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), and Qualified Disabled and Working Individuals…
The 4% rule is a research finding asked to do a job it wasn't designed for. It's a useful sanity check, not a personal retirement plan.…
A 401(k) belongs to a plan; an IRA belongs to you. The differences that actually matter — match-first ordering, expense-ratio drag, the Rule of 55, Roth…
Picture a hypothetical retired couple with $3.2 million in retirement savings. Nearly $900,000 of it is sitting in money market funds and savings accounts. They sleep…
Retirement isn't about having enough money — it's about turning a pile of accounts into something that behaves like a paycheck. The system that makes the…
