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“I Think I Have Enough Saved—Why Am I Still Worried?”
You’ve worked hard and saved diligently, and now you're in retirement or on the doorstep of it. You’ve run the numbers. You might even have a sizable nest egg. So why do you still feel uneasy? That lingering anxiety is more common than you think, even among those who appear to be financially prepared for retirement. And it often comes [...]
Follow the Bond Market to Better Understand Your Finances
On May 16, 2025, Moody's downgraded the U.S. sovereign credit rating from Aaa to Aa1, citing concerns over the nation's rising debt and interest payment burdens. This move follows similar downgrades by S&P in 2011 and Fitch in 2023, marking the first time all three major credit agencies have rated U.S. debt below their top tier. Understanding Bond Ratings Bond [...]
What Retirees Should Know About Their Income Tax
Retirement is a new phase of life, and so is your tax situation. Knowing what counts as income and how it’s taxed can make a big difference in how long your money lasts. Below are some of the most common tax questions retirees ask. Can I Avoid the Income Tax in Retirement? What Would That Take? It’s tough to avoid [...]
How Does Inflation Affect Your Retirement?
Defining inflation is simple—it’s when everything becomes more expensive. The reason it happens and how it’s measured, however, is complicated. For many retirees, it begs the question, “Does inflation affect my retirement?” Put simply, the answer is yes. In the end, when inflation is high, you have less buying power. And when you are heading into retirement, the last thing [...]
The Fed Holds Rates, Here’s What That Means for Your Retirement
For the fourth time in a row, the Federal Reserve has decided to hold interest rates steady, keeping the federal funds rate at 4.25%–4.50%. On the surface, that might sound uneventful—but beneath the calm, there’s plenty going on. And if you're retired or nearing retirement, the ripple effects of this decision are worth paying attention to. So, what’s driving the [...]
How Estate Planning May Help Reduce Future Tax Burdens for Loved Ones
There’s a well-known saying: “Nothing is certain except death and taxes.” But what’s often left out is how closely those two concepts can intersect—especially when it comes to your legacy. Many people spend a lifetime building wealth to leave something meaningful behind. But without a thoughtful plan, more of that wealth could go toward taxes, legal fees, and probate costs [...]
How Could the One Big Beautiful Bill Impact Taxes for Retirees?
The One Big Beautiful Bill (OBBB) includes several tax changes that directly affect retirees, especially how their Social Security is taxed, how much of their income is shielded by deductions, and how much they can deduct in-state and local taxes (SALT). While some speculate that tax deductions could cause further deficit and Social Security Trust fund issues in the future, [...]
Think your TSP is like a bank account? Think again! 4 things your TSP is NOT.
As a federal employee, your Thrift Savings Plan (TSP) plays a crucial role in your financial future. Managed wisely, it can help you retire comfortably and with confidence. But using the TSP the wrong way—or for the wrong reasons—can jeopardize your retirement goals. To make the most of this powerful benefit, it’s important to understand exactly what the TSP is—and [...]
