May 2025

It’s 5.29 (2025) Day It’s 5/29 Day! Unlocking the Power of 529 Plans for Retirement From our YouTube Channel: Here’s that outline transformed into a blog post, designed to be engaging and informative for retirees: Beyond Retirement: How 529 Plans Become a Strategic Financial Tool for Your Golden Years As retirement looms, most shift our focus from accumulating wealth to decumulating, preserving, and, perhaps, gifting and leaving a lasting legacy. While ensuring your personal plan and profile…

Not On Target Are Target Date Funds Ruining Retirement? From our YouTube Channel: While target date funds (TDFs) offer a set-it-and-forget-it strategy during the accumulation phase, they often fall short in retirement. Here’s why: 1. One-Size-Fits-All Allocation May Not Suit Your Needs TDFs follow a generic glide path, which may be too conservative or too aggressive for individual retirees. Doesn’t adjust for personal financial circumstances, such as pension income, liquidity needs, or…

The New Couch, the Empty Nest, and the Expanding Budget: Understanding the Diderot Effect on Retirement Rather than consuming in isolation, we consume in a frenzy. New possessions (or experiences) affect how we perceive ourselves..predisposing us to want additional items to maintain coherence – Ross White on Diderot Retirement. The golden years. What you have been blindly working toward for decades. A time for relaxation, pursuing passions, and finally enjoying the fruits of your labor, which…

Flying Monkeys: The Market’s Sudden Fear The market found Trump’s 4/2/25 Wednesday night speech scarier than I found the flying monkeys in the Wizard of Oz as a kid — Mark Struthers The general consensus among clients and friends—even those who support the president—is that this was avoidable. This is a self-inflicted wound — anonymous client (she may have gotten it from TV) Toto, we are not in Kansas anymore Part of the Wizard of Oz-like fear isn’t just the intensity of the reaction but…