August 2025

Reaching your fifties with little or no retirement savings can feel unsettling, especially when the retirement finish line seems to be approaching at full speed. You may find yourself wondering whether you’ll be able to step back from work at all. The good news? You still have time—and options.

A financial catastrophe doesn’t always come with a warning. A job loss, medical crisis, divorce, lawsuit, or business failure can unravel years of progress in a matter of months.

Financial advice is everywhere—apps, podcasts, social media, even coworkers offering “what worked for them.” But when it comes to navigating taxes, long-term planning, and business decisions, the real advantage comes from a long-term relationship with a professional who knows your full financial picture.

Every household has bills to pay, but not every household has a budget that works. For many families, it’s not that they haven’t tried—it’s that the system they’re using doesn’t stick. Too complex, too time-consuming, or just not practical for their everyday lives.