As retirement approaches, your income, expenses, and goals begin to shift, and so should your financial strategy. Cash flow planning helps you take control of your final working years by aligning your money with what matters most. Whether it’s traveling more, working less, or simply feeling confident about your next chapter, a thoughtful cash flow plan is the foundation for a flexible, fulfilling retirement.

Emergencies rarely show up when it’s convenient. Whether it’s a job loss, a medical bill, or an unexpected expense, having a cash reserve can be the difference between staying on track and taking on costly debt…

The best time to plan for the future is while you have the time and flexibility to do it right. With the right strategies, you can make life easier for the people you care about most.

Market volatility is never easy to experience, and the recent pullback has stirred up familiar feelings of uncertainty. But moments like this are exactly why financial planning matters. In this post, I share what history has taught us about staying invested, how planning can help you navigate uncertainty with confidence, and why trying to time the market can quietly erode long-term wealth, even when the fears feel justified.

The IRS recently announced new contribution limits for 2025, and if you're trying to stay on top of your retirement savings strategy, here’s what you need to know…

After an aggressive rate hike cycle, 11 increases between March 2022 and July 2023, totaling 5%, the Fed has shifted course. Beginning in September 2024, the Fed implemented three consecutive rate cuts, most recently reducing the federal funds rate to a target range of 4.25% to 4.50% in December 2024. Since then, policymakers have maintained a cautious stance, keeping rates steady as they assess economic conditions.

With 2025 unfolding, market shifts and new policies may impact your investments. Now is the time to reassess your portfolio, manage risk, and explore new opportunities.