As the year comes to a close, the holidays invite us to slow down and reflect on what truly matters. A good life isn’t measured only by what we earn or accumulate—but by how we live, who we love, and the legacy we’re quietly building every day. It’s found in moments of presence, in relationships nurtured over time, and in the intention behind the choices we make. Legacy isn’t just something we leave behind someday. It’s something we live through our values, our example, and t

When it comes to financial planning, many people start with a simple goal: get advice. They meet with an advisor, ask a few questions, receive recommendations, and move on—often assuming that one solid plan will carry them forward indefinitely.

Thanksgiving is a season of reflection—a pause in the rush of life to acknowledge what truly matters. While gratitude is often associated with family gatherings and traditions, its impact reaches far beyond the holiday table. Gratitude shapes perspective, strengthens relationships, and influences the way we plan for the future.

Passing down wealth is about more than transferring assets—it’s about protecting relationships, preserving values, and creating clarity for the people you care about most. Without thoughtful planning, even well-intended inheritances can create confusion, conflict, and emotional strain for families.

One of the biggest fears retirees face isn’t market volatility—it’s longevity. With people living longer than ever, the question isn’t just “Can I retire?” but “Will my income last as long as I do?”

For many retirees, Social Security is one of the most important—and misunderstood—sources of retirement income. While it may feel like a simple decision (“I’ll just claim when I retire”), the reality is far more complex. The age you claim, whether you’re married or divorced, your work history, and your overall retirement strategy all play a role in how much you’ll receive over your lifetime.

Retirement planning isn’t a one-time decision—it’s a lifelong strategy that evolves as your career, income, family, and goals change. What you focus on in your 30s should look very different from what matters in your 50s or 60s. Yet many people don’t realize this until they feel behind or overwhelmed.