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There’s a strange tension in how we experience time. A Tuesday afternoon can feel endless. A long winter week can crawl. But zoom out, and entire years vanish. You blink - and a decade is gone. This is front-and-center for me right now. My oldest daughter will be graduating high school in a few weeks before heading off to college. Wasn’t she just my two-year-old buddy… yesterday? The days felt long. The years didn’t. The Time Paradox Most People Don’t Plan For In retirement p

I subscribe to a lot of newsletters. The majority come from financial advisors, wealth managers, and estate planning attorneys. Not only do I enjoy reading what others write, I also enjoy finding patterns. Over the past few weeks, the message from financial advisors and wealth managers has been remarkably consistent: Stay disciplined with the plan. Stay diversified. Stay focused on what you can control. That’s sound advice. It always is. But here’s the part that often goes un

Turn on the news in March of 2026 and it’s hard to miss the themes. War in the Middle East. Oil prices jumping above $100 per barrel. Interest rates remain elevated. Daily swings in the stock market. Global energy markets are reacting to disruptions around the Strait of Hormuz, a route responsible for roughly 20% of the world’s oil supply, sending prices sharply higher and increasing financial market volatility. For investors, it’s unsettling. For retirees, it can be somethin

For years, the common advice was simple: “Don’t touch the house. Save it for last.” That sounds conservative. Responsible. Safe. But when Retirement Researcher Wade Pfau ran the numbers in his 2016 research in the Journal of Financial Planning   Incorporating Home Equity into a Retirement Income Strategy , the results told a different story. And not in a dramatic, sales-y way, but in a math way. Who is Wade Pfau? Wade Pfau is a professor of retirement income. In his book, ‘Th