Estate Planning at Different Stages of Life

By Kevin Reardon CFP® Different Life Stages Require Different Types of Estate Planning When I started my career, there was an overriding belief that Estate Planning was just for ‘rich people.’ As the years progressed, the industry recognized that ‘old people’ are prime candidates for planning too.  I could write a satirically funny article on how…

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Family Love Letters

Family Love Letters

By Kevin Reardon CFP® Family Love Letters What are family love letters? We have all heard stories of someone on their death bed who said, “there are some things that I have always wanted to tell you,” or the survivor who lamented “I wonder what Mom or Dad thought.”  Imagine if each of us, in the…

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Retirement Spending: There are Trade-Offs

By Kevin Reardon CFP® You have worked your whole life, saved well, and are ready to retire.  It’s important to know how much you can pull from your assets during retirement and not outlive your money.  Let’s focus on the reality and tradeoffs that go with retirement spending planning. If you are physically healthy and financially…

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When Should I Start Taking Social Security?

By Kevin Reardon CFP® We are asked this question more than any other.  Like most things in life, there is no perfect answer. However, there are guidelines and considerations in making this decision.  First, let’s review the basics. Social Security Basics The earliest that a Social Security benefit can be started is age 62, with the latest…

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