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.
On April 29, four Fed members dissented for the first time since 1992. The headline is the split. The useful read is what the split is…
“Three to six months of expenses” is a heuristic from a household structure most readers no longer live in. A better question — what specific risk…
The 4% Rule in 2026: Does It Still Work? Table of Contents Where the 4% Rule Came From What the 4% Rule Actually Says — and…
Sir John Templeton called "this time is different" the four most expensive words in investing. He was usually right — but not always. Here is the…
Asset allocation gets all the attention. But where you hold each asset class — pre-tax, Roth, or taxable — can change your after-tax retirement income by…
Systematic withdrawal asks the wrong question for most retirees — and the answer breaks down in the year that matters most. Here's why bucket planning is…
Long-term care insurance isn't your only option. Here's how to plan for long-term care without a policy — using an earmarked reserve, home equity, and a…
Working one more year doesn't automatically raise your Social Security benefit. It depends entirely on what that year replaces in your top 35 earning years. Here's…
The old “sell in May and go away” adage has a kernel of truth in the long-run data — and it still shouldn’t change how a…
Trading and retirement investing use the same tools but reward opposite instincts. Here's why mixing them quietly costs retirees, and where active trading actually belongs.
