All Posts
17 posts found
What Are My Options for Health Insurance During Retirement?
Retiring before 65 can feel liberating until you realize how expensive health insurance becomes without employer coverage. Many pre-retirees are shocked by premiums...
Insurance Planning
November 11, 2025
Is Your Portfolio Really Aligned With Your Retirement Goals?
Retirement isn’t just about saving enough — it’s about making sure your portfolio is actually aligned with your timeline and tolerance for risk....
Retirement Planning
November 5, 2025
What’s Your Retirement Backup Plan When The Markets Fall?
A market downturn can throw any retirement plan off track, especially for retirees who rely on portfolio income. In this Arizona-focused guide, Raman...
Retirement Planning
November 3, 2025
Is My Financial Advisor a Fiduciary?
Asking “Are you a fiduciary?” isn’t enough. Learn how to check pay structures, review Form ADV, and confirm your advisor truly puts...
Financial Planning
November 3, 2025
Taxes in Retirement: Which Benefits Are Taxable and Which Aren’t
Learn how Social Security, pensions, IRAs, Roth accounts, and other income sources are taxed plus find practical, tax-smart strategies to help you keep...
Tax Planning
October 28, 2025
Avoid These 5 Retirement Tax Traps in 2026 Before They Drain Your Nest Egg
Most retirees don’t realize how much they’re overpaying in taxes. Discover five hidden retirement tax traps and how to protect your income and...
Retirement Planning
October 28, 2025
5 Reasons You Should Consider Firing Your Financial Advisor
If your advisor has never looked at your tax return, ignored your Medicare options, or never helped you with cash flow planning…...
Financial Planning
October 23, 2025
Your Retirement Confidence Checklist
The purpose of this guide is to help individuals and couples approaching retirement think critically about the key financial, tax, and lifestyle decisions...
Financial Planning
October 17, 2025
Flat-Fee Advisors Don’t Have Skin in the Game?” Let’s Talk About That
This one comes up a lot, and honestly, it’s a great question. On the surface, it sounds logical: if an advisor earns 1%...
Financial Planning
October 16, 2025
Estate Planning in 2026: Avoiding Tax Surprises Before They Hit Your Family
Estate Planning in 2026: Avoiding Tax Surprises Before They Hit Your Family The 2026 federal estate exemption is $15 million per person. Learn...
Estate Planning
October 16, 2025
The Silent Wealth Killer: How Inflation and Taxes Team Up Against Your Retirement Income
Learn how inflation and taxes can silently erode your retirement income—and what you can do to protect your purchasing power. Discover Roth conversion,...
Tax Planning
October 10, 2025
Arizona Retirement Math: What a $2 Million Nest Egg Actually Gets You in Chandler, Paradise Valley, and Beyond
If you’ve ever asked, “How much do I really need to retire comfortably here in Arizona?” If you’ve ever asked, “How much do...
Financial Planning
October 9, 2025
Am I Paying Too Much in Advisor and Investment Fees?
One of the most common responses I get from retirees is when I ask them if they know how much they’re paying in...
Investment Strategies
October 9, 2025
Can ChatGPT Be Your Retirement Planner?
AI tools like ChatGPT can explain Roth conversions, RMDs, and the 4% rule — but they can’t replace a fiduciary who understands your...
AI in Finance
October 5, 2025
Should I Consider an Annuity to Guarantee Retirement Income?
Annuities promise guaranteed lifetime income but the fine print often hides high fees, tax traps, and lost flexibility. As a flat-fee fiduciary, I...
Retirement Planning
October 5, 2025
Retirement Planning Without Taxes: Why It Costs So Much (and How to Fix It)
Most retirees overpay thousands, sometimes hundreds of thousands in unnecessary taxes and fees, not because they made bad investment choices, but because their...
Tax Planning
October 5, 2025
Finding Your Safe Withdrawal Rate in Retirement
One of the biggest fears retirees face is running out of money. That’s why financial planners often talk about a “safe withdrawal rate.”...
Retirement Planning
October 5, 2025