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Derivatives Explained: How Smart Risk Management Shapes Everyday Business

Derivatives sound like Wall Street jargon, but they’re really just simple agreements that help businesses and investors manage uncertainty. At their core, a derivative is a promise: two parties agree today on terms to buy or sell something at a set price on a future date. This lets companies lock in costs or revenues now, […]

Hedge Funds Demystified: What Retirees Need to Know

Most investors first hear the term “hedge fund” and picture a secretive club where only the ultra-wealthy can play. In reality, they’re simply private funds that give managers much wider latitude than a traditional mutual fund. They can borrow, sell securities short, trade derivatives, and concentrate positions in ways a traditional mutual fund cannot. The […]

Exploring Alternative Investments: What to Know Before You Dive In

When markets get bumpy or traditional portfolios start to feel a little “same old, same old,” it’s natural to wonder what else is out there. That curiosity often leads to a buzzy but often misunderstood corner of the investment world known as alternative investments. But before jumping in, it’s important to understand what these are, […]

Building a Social Security Bridge

Funding life between “I quit” and age 70—without gutting your portfolio Retiring before your first Social Security check arrives can feel like stepping off a pier and waiting for the tide to rise. Each year you wait to claim your benefits can boost your payments by roughly eight percent, plus cost-of-living adjustments, until you reach […]

Can Money Buy Happiness in Retirement?

What does it really mean to live well in retirement? For many, the initial answer might sound like a checklist: enough money to travel, pay the bills, and leave a little behind. But after the novelty of leisure fades, what then? Most people focus on acquiring wealth during their working years, but few pause to […]

Managing Market Volatility in Retirement: A Guide to Making Smarter Decisions

It’s no secret that market volatility has returned with a vengeance. For retirees and pre-retirees, the stakes are especially high, as sudden downturns can threaten stability and long-term plans. In uncertain times, it’s easy to fall into the trap of thinking that doing something is better than sitting still. But without a clear strategy, emotional […]

Understanding Market Volatility: What It Means and How to Navigate It 

If you’ve been feeling unsettled about the market lately, you’re not alone. Seeing your portfolio fluctuate can naturally spark anxiety, especially when you’re focused on planning for a stable retirement. However, before headlines shake your confidence, it’s helpful to understand what’s behind these ups and downs and how to respond in a way that supports […]

When a Bond Ladder Might Make Sense

Whether you’re planning to fund a short-term gap or decades of living expenses, bond laddering is a practical way to secure your financial future. It provides stability and predictability while bridging the gap until larger income sources like Social Security kick in, or to create a predictable foundation while other assets are positioned for growth. […]

How Planning Assumptions Help Build a Strategy for Financial Security 

Casual meeting of diverse business team analyzing financial data

When it comes to retirement planning, the assumptions you use are like the foundation of a house—get them wrong, and everything built on top can start to wobble. It’s not the most glamorous part of the planning process, but your return assumptions, inflation estimates, and spending expectations quietly shape your retirement path. And whether you […]

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Travel in Retirement:

New Options and Opportunities

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Dan Veto, CSA

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Are You Ready for a Challenge?

Register to attend our FREE 4-Day Retirement Income Challenge event on March 10th – 13th from 12:00 – 2:00 PM ET each day.

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