Executive Summary Your first 90 days of retirement can be exciting — and surprisingly tricky. The choices you make now will shape your daily life, your finances, and even how you feel about this new chapter. Knowing what to focus on (and what to hold off on) during this window can help you settle in […]
Executive Summary Thinking about downsizing in retirement? The answer might not be as obvious as it seems. While selling your home can unlock equity and reduce expenses, it can also disrupt your lifestyle in ways you didn’t expect. This blog explores the real risks and rewards of downsizing, why so many retirees end up regretting […]
Executive Summary Sticking to a set retirement plan may feel like a smart move, but inflation actually penalizes predictability. A fixed withdrawal or budget might feel secure, but if it can’t respond to rising costs, it puts long-term sustainability at risk. The good news? You don’t need to start over. By building flexibility across your […]
Executive Summary Managing income in retirement takes more than just one or two accounts. It takes structure—the kind that gives you options when markets shift, control over your tax bill, and access to funds when you need them. These seven account types work together to simplify retirement and support smarter decisions in your 60s, 70s, […]
Executive Summary If you plan to leave your IRA to your children, there’s a critical tax rule you need to understand. The SECURE Act changed how inherited IRAs work—and if you’re not prepared, your heirs could end up paying far more in taxes than necessary. Keith Demetriades, CFP®, CKA®, explains what the 10-year rule means […]
Executive Summary Knowing how much income you need in retirement is important, but knowing where it comes from can make a far bigger difference than most people expect. Keith Demetriades, CFP®, CKA®, breaks down a simple retirement withdrawal strategy that can help you reduce taxes, avoid costly surprises, and use your accounts in a smarter, […]
Executive Summary The Financial Independence, Retire Early (FIRE) movement has gained serious traction, but behind the simplicity of the acronym lies a set of complex trade-offs. Keith Demetriades, CFP®, CKA®, explains how FIRE works, what it really takes to retire decades early, and how to adapt the mindset even if the full strategy doesn’t fit […]
Executive Summary Roth conversions can be a powerful tool for reducing taxes in retirement, but only if you use them at the right time. For many retirees, the most tax-efficient moment to convert happens during a narrow window between retiring and taking Required Minimum Distributions (RMDs). Keith Demetriades, CFP®, CKA®, explains the logic behind conversions, […]
Executive Summary Most people enter retirement with a solid plan for their finances, but many overlook the life rhythms that truly shape fulfillment. Keith Demetriades, CFP®, CKA®, shares the five most common regrets retirees express about their 50s and 60s and explains how you can avoid them by treating this season as a window of […]
Executive Summary You can reach all your financial goals, just not all at once. The key is deciding what needs your attention now and what can wait until later. When you break your goals into short-, mid-, and long-term priorities, you give each one room to grow. Pair that with the right kind of investment […]