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By: R. Travis Evans, CFP® If there is one thing investors have learned over the past several years, it is that markets do not move in straight lines. Every few months, there seems to be a new headline capable of creating anxiety. Inflation concerns. Interest rate changes. Election uncertainty. Recession fears. Geopolitical conflict. Banking concerns. Debt ceiling debates. Trade disputes. Market corrections. For retirees and those approaching retirement, these headlines often

By: R. Travis Evans, CFP® May is Mental Health Awareness Month, and while conversations around mental health have become more common in recent years, one topic still tends to stay quietly in the background: money stress. For many young professionals, financial anxiety is not occasional. It is constant. Student loan balances feel overwhelming, housing costs continue to climb, insurance and taxes eat away at paychecks, and social media creates the illusion that everyone else is

By: R. Travis Evans, CFP® For many people, retirement is imagined as a time when taxes finally fade into the background. After decades of working, saving, and paying into the system, it seems reasonable to assume that the tax burden should become simpler and perhaps even smaller. In reality, retirement often introduces a new and more complicated set of tax considerations. Income begins arriving from multiple sources, each with different tax treatments, and the way those sourc

By: R. Travis Evans, CFP® If you spend any time reading about personal finance, you have probably heard someone talk about Roth IRAs. They are often described as one of the most powerful retirement savings tools available, especially for young professionals. But despite all the attention they receive, many people still find themselves wondering what actually makes a Roth IRA so valuable. The answer comes down to a simple concept that becomes incredibly powerful over time: tax