You know how life tends to throw in a few plot twists? They don't ask if you're ready. They just show up—with potential financial consequences tagging along. A layoff. A diagnosis. A parent who needs help. These moments don't come with instruction manuals. But they do come with price tags, deadlines, and decisions that can echo for years. The good news? You don't have to wait until you're standing in the middle of a crossroad...

Many retirement plans are built on a quiet assumption: that spending stays roughly the same from year one to year thirty. It sounds reasonable. But research suggests it's not how retirement actually works — and planning around that assumption might create more anxiety than it prevents. The Retirement Fear That Can Hold People Back Running out of money consistently ranks as one of the top retirement fears in national surveys.¹ That fear is understandable. But...

A major storm rolls through. The headlines light up. Power outages. Travel chaos. Damage estimates climbing into the billions. And somewhere in the back of your mind, a question starts to form: What does this mean — for the economy, for markets, for my financial plan? It's a fair question. And the short answer may surprise you. But before we get there, something needs to be said. Events like these ripple through people's lives first...