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 […]
Executive Summary “Do I have enough money to retire?” is the number one question in retirement planning. But here’s another that should be at the top of your list: “What happens if life doesn’t go according to plan?” Markets won’t always cooperate. Health and family needs can change in an instant. Building in these five […]
Executive Summary A retirement plan can prepare you for market cycles, inflation, healthcare costs, and taxes. But the years most likely to shape your future aren’t always the ones you’ve been told to watch. Certain periods create outsized impact—moments when decisions and circumstances collide in ways that can either strengthen or unravel your plan. Recognizing […]
Moving to the proverbial beachfront condo or gated golf and tennis community are still popular retirement goals. Many seniors also plan to relocate to be closer to friends and family, to immerse themselves in their interests and hobbies, or to shake up their retirement routines with a little adventure. But while retirees who want to […]
Executive Summary For years, investors were told to scale back risk automatically as they aged. But today’s retirees may spend 30 years in retirement—longer than ever before. That changes the nature of risk; it’s now about balancing market exposure with inflation, longevity, and income stability. Understanding the new “rules” of risk can help you protect […]
A 2024 survey by CHG Healthcare found that 62% of physicians had made a career change since 2022. Better work-life balance, more schedule flexibility, and a better workplace culture were the top three motivating factors among doctors who had made a switch. Many studies have also noted a high level of burnout among medical professionals since […]
Executive Summary Choosing when to retire isn’t as simple as picking a date. Everyone has an opinion: your CPA, your family, your doctor, even your boss, but the real answer depends on more than just money. The Full Picture Method helps you balance financial trade-offs with life factors such as health, stress, and readiness, so […]
What is your money for? Financial security and comfortable living are very important. But if you aren’t making purposeful investments in the things that matter most, you might find yourself surrounded by stuff that doesn’t bring you any joy and money that just earns more money. Consider adding these important investments to your life-centered financial […]
Executive Summary Most retirement planning focuses on numbers: savings, investments, and withdrawal strategies. But the truth is, retirement satisfaction depends on much more than finances. If you don’t ask the right questions about your lifestyle and identity, you may end up with disappointment instead of fulfillment. Discover three questions most people never ask, but should, […]