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The 2027 COLA is the biggest raise in 4 years. It's still not enough.
Retirement Planning·8 min read

The 2027 COLA is the biggest raise in 4 years. It's still not enough.

Social Security just announced a 3.6% COLA for 2027, adding about $75 a month to the average check. It is the biggest raise since 2023, yet 76% of older adults already say it falls short. Here is how to build income that inflation cannot quietly erode.

Oct 23, 2026Read Article →
When care costs outrun income: the LTC squeeze on families
Retirement Planning·9 min

When care costs outrun income: the LTC squeeze on families

Long-term care prices are climbing faster than retirement income can keep up, turning adult kids into unpaid caregivers and draining family savings. Here is how affluent families fund care on purpose instead of by accident.

Oct 16, 2026Read →
The 2027 401(k) limit is rising. Here is your plan.
Retirement Planning·8 min

The 2027 401(k) limit is rising. Here is your plan.

The IRS is about to confirm higher 2027 retirement contribution limits. Milliman projects a $25,500 401(k) deferral cap and an $11,750 super catch-up for ages 60-63. Here is how affluent families should plan the window before January.

Oct 9, 2026Read →
Your 2027 COLA raise has a one-day window to survive
Retirement Planning·8 min

Your 2027 COLA raise has a one-day window to survive

The 2027 Social Security COLA lands October 14. Medicare open enrollment opens October 15. That gives seniors roughly one day to protect a raise that rising Part B premiums could quietly absorb. Here is how to plan around it.

Sep 25, 2026Read →
The Roth catch-up rule high earners can't ignore in 2026
Retirement Planning·9 min

The Roth catch-up rule high earners can't ignore in 2026

A new rule forces high earners 50+ to route 401(k) catch-up dollars into Roth starting in 2026. Here is what changes on your paycheck, why it matters for your tax bill, and the moves affluent families should make before year-end.

Sep 18, 2026Read →
Annuity sales just hit an all-time high. Here's why.
Retirement Planning·9 min

Annuity sales just hit an all-time high. Here's why.

U.S. annuity sales just shattered every record with a $123.9 billion quarter, the best LIMRA has ever tracked. Here is what is driving affluent families toward protected income, and how to decide if the same strategy belongs in your plan.

Aug 21, 2026Read →
The retirement you didn't schedule: when early exits break the plan
Retirement Planning·8 min

The retirement you didn't schedule: when early exits break the plan

Most retirement plans assume you get to choose your last day of work. New Allianz Life data says 42% of Americans retire earlier than planned, often because of health or a lost job. Here is how to build a plan that survives an exit you never scheduled.

Aug 14, 2026Read →
The 2027 Social Security COLA looks bigger. It still won't be enough.
Retirement Planning·8 min

The 2027 Social Security COLA looks bigger. It still won't be enough.

Early estimates put the 2027 Social Security COLA near 3.7% to 3.8%, a full point above 2026. But rising Medicare premiums and the price of essentials keep eating the raise. Here is what affluent families should actually plan around.

Jul 24, 2026Read →
Fixed Index Annuities vs. CDs: Growth, Tax Treatment, and Lifetime Income Compared
Retirement Planning·15 min

Fixed Index Annuities vs. CDs: Growth, Tax Treatment, and Lifetime Income Compared

CDs looked attractive when rates hit 5% in 2023. Now they are declining, and retirees who parked savings in them are facing reinvestment risk with no income guarantee. A Fixed Index Annuity offers index-linked growth with a zero-loss floor, tax-deferred compounding, and the one thing a CD will never provide: income you cannot outlive.

Jul 15, 2026Read →
Why 1 in 5 Gig Workers Is Over 55 — and What That Tells Us About Retirement Accounts
Retirement Planning·14 min

Why 1 in 5 Gig Workers Is Over 55 — and What That Tells Us About Retirement Accounts

More than 20% of full-time gig economy workers in America are over the age of 55. Most of them had 401(k)s, IRAs, or pension plans. The problem is not that they never saved — it is that the money ran out. Here is the math on why a retirement account is not the same thing as retirement income.

Jul 10, 2026Read →
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