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.
Note (May 2026): The OBBBA extended most TCJA brackets in 2025, so the original “convert before the 2026 deadline” framing in this piece is now historical.…
The headlines can feel overwhelming right now. That’s why I want to share some current economic insights—in plain English—about what’s really happening with growth, tariffs, housing,…
On July 4th, 2025, a sweeping piece of legislation known as the One Big Beautiful Bill Act (OBBBA) was signed into law. At over 1,000 pages…
For decades, the 4% rule has been the go-to retirement strategy: withdraw 4% of your portfolio each year, and your money should last 30 years. But…
Coordinated spousal claiming can shift a couple’s lifetime Social Security income by tens of thousands of dollars — sometimes well into six figures, depending on the…
The order you pull money out of your retirement accounts can quietly cost — or save — you tens of thousands of dollars over a 25-year…
Picture two retirees with the same nest egg. One sleeps soundly. The other lies awake watching the market. The difference rarely comes down to portfolio size…
If you’re 50 and your retirement account looks thinner than you’d like, the math is less brutal than most people assume — but only if you…
If your employer matches 5% and you contribute 4%, you just gave up a guaranteed 100% return on the missing percentage point. That’s the hierarchy this…
Category: Retirement & Wealth Planning Case Study Type: Pre-Retirement Planning This hypothetical case study walks through a pre-retirement couple’s situation — saving done right, plan for…
