Most people think retirement planning ends the day they retire. In reality, one of the most important planning opportunities doesn’t even start until after work stops — and it quietly closes a few years later. I call it the retirement planning window, and it’s one of the most underutilized opportunities I see when working with … Read more
Client Profile (Names Withheld) Like many people I work with, this couple believed they were “in good shape” for retirement. They had done a lot of things right — steady careers, consistent retirement savings, and no major debt heading into retirement. But when we looked closer, there was a hidden tax issue that could have … Read more
The Social Security Administration has officially announced a 2.8% cost-of-living adjustment (COLA) for 2026.That means beginning in January 2026, Social Security recipients will see a modest increase in their monthly benefits to help offset inflation. For most retirees, this translates to about $56 more per month on average. It’s not a life-changing boost, but it’s … Read more
Every year, the Social Security and Medicare Trustees release their annual reports—and the 2025 update delivers a reality check for millions of Americans planning their retirement. According to the report, the Social Security trust funds are projected to run short by 2034, one year sooner than previously forecasted. At that point, incoming payroll taxes would … Read more
Category: Retirement & Wealth Planning Case Study Type: Pre-Retirement Planning This financial case study explores how I helped a couple navigate retirement planning, optimize taxes, and use indexed annuities to secure their future. Client Profile Understanding This Financial Case Study John and Susan had been diligent savers, accumulating over $1.3 million in retirement accounts and … Read more
When it comes to Social Security, most people think of retirement benefits. But what happens when a spouse passes away? That’s where Social Security survivor benefits come in—an often misunderstood but critical part of financial planning for widows, widowers, and dependents. Over the years, I’ve had many clients who were unaware of their eligibility for … Read more
When it comes to retirement planning, Social Security plays a more significant role than many realize. It’s not just a passive income stream you collect once you retire—it’s an asset that, when strategically managed, can greatly enhance your financial security. Understanding when and how to claim benefits can mean the difference between a comfortable retirement … Read more