A recent YouGov survey found that only 27% of American adults use a financial advisor. At first glance, this statistic might seem alarming. However, we believe this number deserves deeper scrutiny before we sound any alarms. Breaking Down the Real
When it comes to retirement planning, few “rules” get more attention than the famous 4% withdrawal rule. Recently updated to 4.7% by financial expert William Bengen, this strategy suggests that if markets average 9% returns and you withdraw 4-4.7% annually,
For over two decades, we’ve watched clients walk into our office expressing the same sentiment: “People with pensions have it so easy. If only I had a pension, retirement would be simple.” However, these same individuals often tell us they
Picture this: you receive a birthday party invitation with a $499 entry fee – plus another $250 if you want to bring your spouse. For $750, you’re expecting gourmet food, top-shelf drinks, maybe even live entertainment. Instead, you arrive to
We often see retirement portfolios that look healthy on paper but carry dangerous hidden risks. The statement shows steady growth, the balance is increasing, and everything appears fine. However, when we dig deeper into the individual holdings, we discover a
We encounter this scenario regularly: clients walk into our downtown Woodstock office with what appears to be a healthy retirement account balance, only to discover they don’t actually own as much of that money as they thought. The reality is
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