Don’t Run Out of Money: Mastering Cash Flow in Retirement
By Henry Zupko, MBA, CFP® Retirement should be a time of relaxation and fulfillment, without having to worry about finances. That means effective cash flow management is absolutely essential. Without consistent and predictable cash flow in retirement, a substantial nest egg can diminish more quickly than anticipated, leaving retirees vulnerable to financial hardship and forced […]
Navigating Finances After an Executive Layoff
By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ Experiencing an executive layoff can be an overwhelming and unexpected life event. While it’s natural to feel uncertain, taking a proactive approach to your finances can help you regain stability and set a strong foundation for the future. This article is here to provide practical insights to help […]
Do Your Friends and Family Need Financial Guidance? We’re Here to Help.
By Henry Zupko, MBA, CFP® In recent years, our world has become more unpredictable, with unprecedented events impacting the economy and causing growing uncertainty about the future. This makes having a solid financial plan vital now more than ever. As one of our valued clients, you’ve already taken proactive steps to prepare for the unexpected. […]
How to Maximize Your AT&T Benefits in 2025
AT&T’s benefits package is known for its robust offerings, designed to support employees at every stage of their careers. As we head into 2025, a few new adjustments and provisions are set to expand these benefits even further. In this guide, we’ll explore key areas of the AT&T benefits program, providing insight into what’s available […]
Retiring Confidently With a Diversified, Well-Rounded Portfolio
Retiring Confidently With a Diversified, Well-Balanced Portfolio By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ A stress-free retirement journey starts with a solid financial plan. And one of the most effective strategies is maintaining a diversified, well-rounded portfolio. By distributing your investments across varied asset classes, you can help mitigate risk and potentially optimize returns. This […]
Do You Have Questions About Your Medicare Plan?
By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ Medicare is a cornerstone of healthcare for many U.S. retirees, serving over 66 million people since its launch in 1965 and generating over $1 trillion in revenue in 2023. With nearly 96% of those aged 65 and older depending on it, Medicare’s impact on your financial future is […]
How AT&T Employees Can Catch Up for Retirement in a Hurry
By Henry Zupko, MBA, CFP® AT&T retirement considerations can play a big role in financial planning as the telecommunications giant offers its employees generous benefits packages. 401(k) retirement accounts are common components of these packages, allowing employees to save up for their retirement years with a few bonuses kicked in. However, some employees, especially older […]
What Is the FIRE Movement, and Is it Right for You?
By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ When only roughly one-third of American workers find their work engaging, it’s easy to find people who want to retire early—maybe even you. As it turns out, there is a full-on drive afoot. If you’ve spent time reading about personal finance, you might be asking this question: What […]
The Future of Social Security: Will it Withstand the Test of Time?
By Henry Zupko, MBA, CFP® The buzz around Social Security isn’t exactly uplifting. A whopping three-quarters of people over 50 fear the program will dry up during their lifetime. And nearly 40% of younger generations, like Gen Z and Millennials, doubt they’ll see a dime from it. These concerns stem from reports warning of the […]
Decoding HENRYs: Unveiling the High Earners Not Rich Yet Phenomenon
Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ Are you a “HENRY”? High Earners, Not Rich Yet (HENRYs) is a term used to describe people who have the potential for high future wealth, but currently have assets tied up in lifestyle expenses. So why do so many HENRYs feel they have little to no actual wealth? Let’s […]