Wealth Wednesday

The Fed has been cutting interest rates, so why aren’t mortgage rates dropping fast? Short answer: mortgages don’t follow the Fed in a straight line. They track the 10-year Treasury and a “spread” lenders and investors add for risk and costs. That spread can stay sticky when markets bounce around, when demand for mortgage-backed bonds is soft, or when investors worry about getting paid back early if people refinance.

Smart, simple 2025 year-end tax tips: harvest losses, give from IRAs, and boost retirement savings. Plan now, breathe easier later.

Buying when prices are down is the hardest part of investing. This post gives you an easy playbook: rebalance on a schedule and follow clear “buy-more” rules at 20–25% and 30%+ market drops. You don’t have to call the bottom—just stick to your plan and let the recovery work for you. The video is embedded in the post.

From pills that promise miracles to investments that seem too good to be true, “Financial Alchemy” explores how Wall Street sells magic solutions to real problems. Neal Watson, CFP®, and Todd Kemple break down the pros, cons, and hidden trade-offs of today’s hottest financial products.

Are you nearing retirement age or helping a loved one plan for their future? This blog post walks you through the key ages that affect retirement planning, like when you can make catch-up contributions, access your money without penalties, start Medicare, and maximize your Social Security benefits. We’ll keep it simple, clear, and encouraging.

Worried about retiring in today’s crazy market? You’re not alone. Discover how simple planning strategies—like using a cash buffer, smart income timing, and working with a trusted advisor—can help you retire with peace of mind, even when markets are wild.

Are you waiting for the “perfect time” to retire? You might be waiting too long. In this warm and insightful article, we explore why retiring sooner can lead to a healthier, more fulfilling life. Learn about the importance of healthy life expectancy, the three phases of retirement, and how to navigate your finances—even during uncertain markets. If you’ve been dreaming about retirement, this read could help you take the next step with confidence.

f you’ve worked hard, saved wisely, and had a bit of luck, you may find yourself with a nest egg to pass on to your loved ones. But did you know that a traditional IRA or 401(k) could be the worst asset to leave behind? For many people, these accounts are the largest assets they’ve built up—but changes in tax laws mean they’re now far less beneficial to heirs. Let’s explore why this is and what you can do about it.

Today, we're diving into alternative investments. These are not your typical stocks, bonds, or cash investments—they're a different way to grow wealth. Alternatives can help you reduce the ups and downs in your portfolio, generate more income, and give you access to unique opportunities you may not have considered.