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Is This All There Is?

Is This All There Is?

This is the question many retirees suddenly have to answer once they hit Phase Two of their retirement. I can safely say I don’t have enough fingers to count the number of times a client confirmed their retirement date to me only for them to move it out another year… and then another… and then ...
Planning For Your Final Career Year

Planning For Your Final Career Year

You’ve done it. All that smart saving and investing has brought you to your final year of work. But before you plan that first trip around the world, there’s a few nifty tactical planning moves you can make. If you want to save lots of money in your early 60s, here are five homework assignments
Long-Term Care Insurance – Why No One’s Buying It

Long-Term Care Insurance – Why No One’s Buying It

“Shady Pines, Ma!” - Dorothy Zbornak Financial advisors and their clients have one goal they can always agree on – a client shouldn’t outlive their nest egg. Long-term care insurance (LTCI) may well be one of the best known tools for preventing such a scary outcome, yet nearly every ...
You’ve Saved All This Money – Why Aren’t You Spending it?

You’ve Saved All This Money – Why Aren’t You Spending it?

Jennifer, a recently retired executive, is a chronic under-spender. She’s been saving diligently for decades and now that she’s financially independent, she’s only skimming the surface of her nest egg. Two years later, she told me why. From Saver to Spender For decades, Jennifer invested ...
How to Spend More of Your Nest Egg

How to Spend More of Your Nest Egg

Sarah takes very little money out of her nest egg, so I’m concerned that her financial plan is at risk of failing. Wait, what, you ask? How can a plan be unsuccessful because a person is spending too little? Once a person has achieved financial freedom, it’s common. Here’s how. Sarah ...
Planning to Make Work Optional

Planning to Make Work Optional

I am 45 now, and I love what I do, where I work, and the city I live in.  Yet, I still want to know when I’ll have the freedom to stop working. However, the nest egg target that I keep in my head isn’t synced up to that point in time. It’s my WOFI number, and it arrives much sooner. Here’s what