Social Security timing, Medicare, taxes, and building a dependable income floor — from Thomas Clark, a Series 65 Investment Advisor Representative.
When most people think about Social Security, they picture a reliable monthly income stream that’s tax-free. Unfortunately, that’s not always the case. Depending on your other…
What’s Happening at the Fed — September 2, 2025 The Federal Reserve is approaching a pivotal moment: the September 16–17 FOMC meeting. All eyes are on whether…
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…
