Have you been hearing the word “recession” a ton lately? It feels like we’ve heard it every single day as a looming, sinister concern for each of our financial futures. In this episode, we’re breaking down what a recession is, whether or not you should be concerned, a look back on the statistics for the…

You’ve worked hard your whole life—waking up early, staying late when you’ve needed to, and saving everything you could to make sure your retirement was well-funded. While all the “money stuff” is extremely important, there are a few other things you may need in order to have a happy retirement. When you retire, you’ll get…

Without income, you have no retirement. Yet, there are experts in our field saying that you might want to rethink your income strategy in today’s market. In this episode, we’re diving into the traditional 4% rule for withdrawals from retirement accounts. Does it still apply? Does it need to be adjusted? Additionally, we’re answering a…

What is an annuity? Is it a smart investment? Should I have an annuity in my retirement plan? We get questions like these all the time from our clients. Annuities can seem confusing and, as a result, many people invest in them without knowing what they are getting into or if it’s the best option…

 Life insurance can feel like a tricky subject to navigate. Do you need it? How much coverage should you look for? What about long-term care insurance?  In today’s episode, after answering a question sent in about Roth conversions in a retirement plan, we are diving into life insurance. Phil and Kendall are sharing some common…

Preparing Your Finances for Uncertain Times – Episode 6 There have always been (and there will continue to be) uncertain times in the world. We all can agree we’ve seen some of those uncertainties recently! For example, we’re seeing inflation, a likely increase of interest rates on the horizon, along with the normal uncertainties in…

When it comes to finances, the majority of questions we get are about retirement. Even if you love your job, after years of hard work, you are probably looking forward to the days when you get to kick back and relax a little more. So it makes sense that you would want to make sure…

What You Need to Know About 401(k) Plans (& Developing a Retirement Blueprint) – Episode 5 What is a 401(k)? If your employer offers a match for a 401(k), should you take advantage of that? Should we leverage a Roth option in our 401(k)? What are the rules for a 401(k)? We’re talking about all…

Social Security isn’t exactly a highly-anticipated brunch topic. And you don’t have to look very far to find contradicting opinions on the topic, and thoughts on how it should impact your retirement strategy. To make the topic of Social Security even more complicated, every October the Social Security Administration (SSA) announces the annual changes to…

How to Navigate Inflation & Ways to Retire  – Episode 4 Inflation is here, and it’s here to stay. There are some that estimate that the inflation rate greatly increased in the last year, and this (unsurprisingly) has some pretty big effects on our financial plan. In today’s episode, after answering a question about ways…

Do you know what we often say the greatest tax on the American people is? Inflation. It has the power to do everything from increase the cost of groceries, limit how far each dollar we earn stretches, and impact our investments for retirement. But how can we take steps for the rising costs in our…

Empowering Women in Finances and Retirement (& the Value of Non-Cash Investments) – Episode 3   Did you know that, on average, women outlive men? Every situation is different, but statistics say that 80% of men will die married and 80% of women will die single. Far too often, though, we have seen situations where…