Many seniors head into retirement dreaming about an “endless vacation.” But if you’re retiring around age 65, you’re hopefully looking at 20 or 30 years of retirement. That’s more than a vacation. It’s an entire third act of your life. And we all know that no matter how great a vacation is, when it’s over, […]

Executive Summary Starting in 2026, a new IRS rule changes how higher earners use catch-up contributions, and the impact is larger than most people realize. Keith Demetriades explains that if you’re over 50 and earn more than $150,000 in W-2 wages, any catch-up contributions must now be made to a Roth account instead of pre-tax, […]

Very few people love everything about their jobs. But even if you’re someone who just clocks in and out for a paycheck, wouldn’t it be nice to get a little more satisfaction from something you spend 40+ hours doing every single week? Whether you’re looking into a career change or trying to reframe how you […]

Executive Summary Many business owners assume the sale of their company will fund retirement. But in his work with owners, Keith Demetriades has seen how often that expectation creates pressure rather than security. Business sales depend on timing, valuation, buyer readiness, and transferability—factors that rarely line up on demand. Relying solely on a future sale […]