insta_photos / Shutterstock.com Quick Read Financial advisors can assist with household budgeting and ongoing reviews as income or expenses change. Advisors can provide year-round strategies to legally minimize taxes. Advisors can help evaluate major life decisions like career changes or early retirement by assessing financial risks and benefits. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.   ...

Frisco, TX, Dec. 16, 2025 (GLOBE NEWSWIRE) -- Financial Fast Track Radio, an educational retirement-planning broadcast hosted by financial strategist Tod Long, is expanding its reach and influence as one of the region’s fastest-growing platforms dedicated to helping Americans make informed retirement decisions. The program, which airs Saturdays at 8 AM on KOKC 95.3 FM and 1 PM on KQOB Freedom 96.9 FM, was founded to simplify complex retirement topics and give pre-retirees and retirees practical tools to bui ...

mavo / Shutterstock.com Quick Read A financial advisor can help you better plan for retirement and manage your money during it. An advisor can help you claim Social Security strategically and invest your nest egg wisely. They can also help you manage your tax obligations and reduce them when possible. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.   Planning for retirement can be a very excitin ...

LONDON, Dec. 15, 2025 (GLOBE NEWSWIRE) -- Willis Towers Watson Public Limited Company (NASDAQ: WTW) (the “Company” or “WTW”), a leading global advisory, broking and solutions company, today announced the pricing of a registered offering (the “Offering”) by Willis North America Inc. (“Willis North America”), an indirect wholly-owned subsidiary of the Company, of $700,000,000 aggregate principal amount of 4.550% senior unsecured notes due 2031 (the “2031 notes”) and $300,000,000 aggregate principal amount of ...

Why hire a financial advisor who will take around 1% percent of your assets per year when you can get a certificate of deposit (CD) at over 5% with no fee? That alone amounts to a 6% return on your money. One can get a brokerage CD for two years at 5.5%, and with no fee, the return is 6.5%. I will take that any day instead of worrying about what the market is doing and can sleep at night. That’s especially true as a retired person who is not dollar-cost averaging anymore. Prove me wrong. -Chris While, at ...

Egoitz Bengoetxea Iguaran from Getty Images and JJ Gouin from Getty Images Quick Read Ramsey advises claiming Social Security at 62 and investing it instead of waiting for larger benefits at 70. Delaying from 62 to 70 increases a $2,000 monthly benefit to $2,480 with no market risk. Most retirees need Social Security income for expenses and lack discipline to invest every dollar. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, ...

Although this might be an issue that people in their 50s are less likely to struggle with, as the need for external validation lessens, this quote is still a necessary reminder that seeking approval through possessions is an empty pursuit. This is a valuable opportunity for people in their 50s to reflect on how their past spending has impacted their current financial situation. Going forward, purchases should be scrutinized based on needs versus wants and to also determine how current spending habits are im ...

Austin Dean is the founder and CEO of Waystone Advisors.Courtesy of Austin Dean Wealthy individuals tend to use non-traditional investment strategies. They favor cash value life insurance, securities-backed lines of credit, and real estate. These methods can offer flexibility, tax advantages, and earlier access to investment funds. When Austin Dean started taking classes to earn his various financial advisor certifications, he didn't fully buy into the curriculum. It revolved around more traditi ...

However, fees aren’t always straightforward. Human advisors may have additional costs, such as management expense ratios (MERs) in mutual funds and exchange-traded funds (ETFs).Traditional advisors might also charge by the hour, offer a flat monthly or annual retainer fee or even work on commission. But the vast majority charge AUM fees, with 92% of advisors incorporating AUM fees “in some way,” according to a Kitces report. (4)Human advisors use a wider range of fee structures. Most charge an AUM (assets u ...

退休财务准备情况 - 一对54岁的夫妇拥有300万美元储蓄且无负债 其子大学在读 其女已毕业[1] - 尽管拥有七位数资产组合 许多人仍对退休准备感到不确定[1] 退休收入与支出分析 - 遵循4%提取规则 300万美元本金每年可产生约12万美元税前收入 即每月1万美元[5] - 夫妇预计每月最高支出为1.2万美元 但实际可能更低 因居住于低生活成本地区[5][8] - 除储蓄外 夫妇每年另有8.5万美元教师养老金收入[4][6] - 养老金收入已能覆盖大部分生活成本 为提前退休提供了显著财务灵活性[4][6] 近期重大计划支出 - 计划进行房屋升级 从40万美元房屋换购70万美元房屋[9] - 未来五年内计划购买两辆新车[9] - 未来几年内需为两名子女筹备婚礼[9] - 计划增加度假频率[9] - 上述重大支出将消耗部分储蓄本金[8]