Lately, I’ve been having the same kind of conversation with so many clients—and it always starts with this realization: retirement isn’t what it used to be.

It’s not about stepping back anymore; it’s about stepping into something new. A second act. A new chapter. A chance to do the things that light you up.

Estimating healthcare expenses is not an exact science, but taking a thoughtful, realistic approach can give you clarity and peace of mind. It’s one of the best gifts you can give yourself—and your loved ones—as you look forward to a secure, healthy retirement.

An HSA is a personal savings account just for healthcare costs. You can only contribute if you have a high-deductible health plan (HDHP), but the money is yours—even if you change jobs, retire, or switch insurance.

 Why are HSAs so powerful? They offer a triple tax advantage:

1. Contributions are tax-deductible.

2. Money grows tax-free.

3. Withdrawals are tax-free if used for qualified medical expenses.

Susan, a 52-year-old teacher, prided herself on her financial prudence. Over the years, she diligently saved $100,000, tucking it away in her savings account. "It’s safe," she thought, "and it earns interest." However, despite her discipline, she often felt uneasy about whether her money would last through retirement.

If you are a small business owner, establishing a retirement account is essential! Two options available to you are an individual 401(k) or a SEP IRA.

Both individual 401(k)s (also known as solo 401(k)s) and SEP IRAs are retirement savings plans designed for self-employed individuals and small business owners. However, they have some key differences that can make one a better choice for you than the other.

There are lots of decisions to make when thinking about retirement. Housing is a biggie, so let's break down what to look for:

First up, what can you afford? We're talking mortgage or rent, property taxes, insurance, utilities, just to start off. Making sure those costs won't cramp your retirement lifestyle is extremely important!

Social Security should be a comforting safety net, but let’s be real—it’s more like a tangled web that can leave you spinning. In this blog we will break down social security to make it a bit more manageable.

You might be wondering, “How does someone lose a 401(k)?” Believe it or not, thousands of folks have retirement accounts they've forgotten about. Life gets busy, jobs change, and sometimes those accounts slip through the cracks. Learn where to search for those lost accounts!

Thinking about where your money will come from once you’re done working might seem a bit overwhelming, but don’t worry. With some careful planning and a diversified approach, you can look forward to a retirement that’s as vibrant and fulfilling as you’ve always dreamed.

Retirement might seem far off, but for women, it's crucial to start planning early. We tend to live longer than men, so our assetsneed to stretch further. Plus, thanks to the wage gap and time taken off for caregiving, we might have less saved up than our male counterparts.

Retirement is a stage of life that requires careful planning to mitigate various risks that can threaten financial stability and well-being. We examine the key risks in this article.

Visualization has long been touted as a tool that works, many successful people credit this technique as a part of achieving their goals. Neuroscientists have long known that visioning works. There is nothing woo-woo about this. Professional athletes to CEOs have used visioning techniques for years. I share my personal visualization exercise in this post.

Have you ever really thought about how your personal retirement will play out? Picturing successful retirement planning initially involves envisioning how you want your life to look like when you fully or partially retire. Here I share some important steps to get started on a vivid and detailed picture of your ideal retirement.

Let's dive into a topic that's crucial for all of us, but especially for the amazing women out there—retirement planning. Women face unique challenges when preparing for retirement and contrast their experiences with those of men.

Ready to chat about something that's often brushed under the rug, but is absolutely essential: Retirement Income Planning. Picture this: you've spent your whole life hustling, chasing dreams, building a career, and living your best life. But then, the time comes to kick back, relax, and soak in the golden years. Sounds dreamy, right? Well, it can be if you've got your retirement income plan in place.

I'm beyond thrilled to share the news that I've officially earned my RICP® designation! A Retirement Income Certified Professional® helps clients make the most of their retirement income and investments. I have the expertise to develop a personalized income plan that takes into account your unique goals, lifestyle, and risk tolerance.

What exactly is a Required Minimum Distribution (RMD), and why should you care? In this layman's guide, we'll break down the concept of RMDs and help you understand why they matter for your retirement.

Investing in a Roth 401(k) can be a smart financial decision for several reasons. Also note, most companies' 401(k)s now offer both pre-tax and post-tax options.