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By: R. Travis Evans, CFP® As the year draws to a close, it’s easy to get caught up in holiday plans and forget about your financial plan. But the final weeks of the year are often when some of the most impactful financial decisions can be made—especially for those nearing or already in retirement. A few smart year-end moves can help lower your tax bill, strengthen your long-term plan, and set you up for a smoother transition into the new year. Make the Most of Charitable Givi

By: R. Travis Evans, CFP® It’s easy to invest when everything seems to be going well. The headlines are optimistic, markets are up, and everyone feels confident about the future. But what separates successful long-term investors from everyone else isn’t what they do during the good times; it’s how they behave when things feel uncertain. When markets fall, many people instinctively pull back or wait for things to “settle down.” That reaction is understandable. Nobody enjoys wa

Authored By: Landon Evans Most people think of insurance as something you buy once and then forget about. But the coverage that made sense when you first purchased it may not match your life today. Income grows, families change, businesses evolve - and insurance that isn’t updated can leave costly gaps. The good news: reviewing your coverage doesn’t have to be complicated. A quick check-in with your agent or advisor every few years or after major life events can help ensure y

Authored By: Travis Evans, CFP® For many retirees, accounts like IRAs and 401(k)s have been the backbone of their savings. At some point the IRS requires you to begin drawing from those accounts. These withdrawals, known as Required Minimum Distributions or RMDs, are not optional. The rules around when they begin have shifted in recent years, and understanding those changes can help reduce taxes and keep your retirement income steady. When RMDs Begin The starting age for RMDs

Authored By: Travis Evans, CFP®   Estate planning is often thought of as a one-time task: sign the documents, store them safely, and...

By: Landon Evans, CLTC® Life transitions don’t always follow a set order. Some happen all at once, others years apart, and a few come...

Among personal finance milestones, few are more empowering than saving your first $100,000. It’s a number that signals meaningful...

Long-Term Care Planning: What Are Your Options? How to approach care planning with clarity and confidence By: Landon Evans, CLTC®...

Why the Order of Your Investment Returns Matters More Than You Think When you’re saving for retirement, investment returns are...