We tend to think of “family traditions” as things that we do around holidays and celebrations. But the more your family grows, the more it tends to pull itself in different directions. Work, school, sports, and arts can divide the family calendar into individual to-do lists. Sprinkling a few more traditions throughout the year could […]
Once their degrees are earned and jobs are secured, many doctors and dentists find themselves on the fast track to some major financial goals — including, perhaps, early retirement. After all, between those extra years of studying and the daily demands of working in medicine, doctors and dentists might feel like they’ve worked a full […]
Sometimes planning the break that you need from work just feels like … more work. How are you going to find time to compare flights, book hotel rooms, and schedule visits to attractions when you’re already busy managing your job, running the kids to practices, cooking meals, and helping with homework? And even if you […]
Your home is more than just a house. It’s where you started your life with your spouse, raised your family, hosted holiday parties, played catch, built snowmen, planted a garden, and spent evenings on the porch watching the sunset And, perhaps most recently, it’s where you celebrated your retirement. That’s why deciding where you’re going […]
What’s the right balance between enjoying your wealth in retirement and making sure your nest egg lasts all the way through retirement? To answer that question, many seniors turn to a number: 4%. But as many of the assumptions about both personal longevity and economic stability continue to change, longstanding assumptions about spending and withdrawal […]
Keith Demetriades, CFP®, CKA® Owning a home away from home can add some significant value to your portfolio and your ROL (Return On Life). A second home can be an escape, a change of scenery, a place to immerse yourself in specific interests, sports, or hobbies, or the focal point of meaningful get-togethers for generations […]
Keith Demetriades, CFP®, CKA® Unretirement is on the rise. According to a recent survey by F&G Annuities & Life, 29% of retirees are considering a return to work. That includes 54% of Gen Xers who retired early. While many retirees jump back into the workforce because they are worried about running out of money or […]
Keith Demetriades, CFP®, CKA® You’ve been working towards this moment for decades. But have you really prepared for it? Once the countdown is over and you’ve left your retirement party, the reality of retirement is going to set in. And many new retirees are surprised by the waves of emotions they feel, especially in those […]
Keith Demetriades, CFP®, CKA® The “best” college for your student isn’t the college with the highest ranking in a magazine or online poll. It’s the school where the investments of time and money that you and your student make will generate the highest ROI (Return on Investment) and ROL (Return on Life). Talk to your […]
Executive Summary Retirement overspending doesn’t usually come from big splurges. It comes from everyday costs that keep rolling long after they’ve stopped being useful. Things like old insurance policies, memberships you don’t use, convenience fees, or service plans built for a house full of kids. When those habits go unchecked, they can drain thousands of […]