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.
Your Social Security benefit isn't a slice of your final salary — it's a three-step formula. Here's how the 35-year average, indexing, and bend points build…
June inflation cooled to 3.5%, and the headlines called it a turning point. Here's what one good CPI report actually changes for a retirement income plan…
In 2022, “safe” bond funds had their worst year on record, and the reason was one number almost no one checks: duration. Here’s how duration works,…
The Social Security trust fund is projected to run short in 2033 - but that's a potential benefit reduction, not a shutdown. Here's what the 2033…
Bucket planning isn't about opening new accounts — it's about doing three jobs in the right order. Here's the step-by-step setup: size the guaranteed income floor…
“Annuity” isn’t one product — it’s four very different ones, and judging them as a single group is how people end up in the wrong one.…
Rolling your 401(k) into an IRA at retirement is the industry's default move — but it isn't always the right one. Four questions decide whether to…
The 2025 law didn't make Social Security tax-free — it added a temporary senior deduction. Here's how benefits are actually taxed in 2026, the tax torpedo…
For fifteen years the safe money in a retirement plan earned almost nothing. That changed in 2026. Here's how to run the Now bucket now that…
Medicare's IRMAA surcharge can raise your Part B and Part D premiums by hundreds a month once income crosses a hidden threshold — and it's decided…
