Stay Informed for Your Financial Future

When people begin thinking about retirement — whether they’re a few years away or already retired — one of the first questions that usually comes up is: “How much do I need to retire?” While that’s certainly an important part of the conversation, another factor can play an equally meaningful role in shaping retirement income…

When people think about retirement planning, the conversation usually centers around savings, investments, and creating a reliable income stream. Yet one part of retirement that many families don’t fully understand until they experience it firsthand is how long-term care can gradually become part of the picture. It’s common to think of long-term care as a…

The IRS has released the 2026 retirement contribution limits, including updated thresholds for 401(k)s, 403(b)s, 457 plans, and traditional and Roth IRAs. Income phase-out ranges have also adjusted for inflation. At first glance, these annual updates can feel incremental. Yet over time, even modest increases in contribution limits can meaningfully influence retirement savings, tax exposure,…

As we move from February into March, the headlines haven’t slowed down. Tariffs. Trade rulings. Tensions in Iran. Oil prices. Political back-and-forth. And when there’s noise in the world, markets tend to react. In this month’s Matt’s Minutes, Matt Curfman, our CEO & Co-Owner, shares perspective on where markets actually stand year-to-date, why “V-shaped” markets…

Every so often, someone asks us a thoughtful question:“What are you keeping an eye on for us?”It’s a fair question.From the outside, retirement planning can look quiet. There aren’t always big announcements or dramatic changes. But behind the scenes, there are steady, ongoing conversations about the factors that tend to matter most over time.In this…

Most estate plans are carefully drafted and thoughtfully discussed. Yet there is one document that often doesn’t receive the same ongoing attention: your beneficiary form. When it comes to retirement accounts, that form carries more weight than many people realize. Why Beneficiary Forms Matter Retirement accounts — such as IRAs, Roth IRAs, and 401(k)s —…

In this week’s Richmond Refresher, we talked about one of the most misunderstood parts of retirement: how Social Security is taxed — and why it can sometimes feel surprising. Understanding the formula is helpful. But once you know how it works, the more meaningful question becomes: How should you think about Social Security within the…

Learn what to look for in a tax professional for retirement planning, including IRA rules, Social Security taxation, and RMD considerations Choosing the Right Tax Professional for Retirement Planning Managing taxes before and during retirement can play a meaningful role in shaping your long-term lifestyle. As income begins to shift — from paychecks to Social…

As we move further into 2026, it’s hard to ignore the steady stream of headlines — interest rate decisions, political developments, global uncertainty, and questions about where markets go next. In this month’s Matt’s Minutes, Matt Curfman shares perspective on recent market behavior, what we can (and can’t) control, and why ongoing communication matters —…