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Why Seniors Should Consider Long-Term Care Insurance & Medicare Supplemental Insurance Author: Rich Eller As seniors transition into retirement, choosing the right insurance coverage is crucial for financial security. Experts recommend considering both Long-Term Care Insurance (LTCI) and Medicare Supplemental Insurance (Medigap) to cover different healthcare needs. Key differences between LTCI & Medigap Long-Term Care […]

Market Commentary – March 2025 Richard Eller Certified Financial Fiduciary® Welcome to 2025—somehow, it got here faster than expected. Daylight savings is a few days away, baseball spring training has started, and the stock market continues to keep us on our toes. Let’s break down what is happening and, more importantly, what it means for […]

A Fiduciary Perspective on Today’s Market and Retirement Landscape As a Fiduciary-based advisor my role is to help clients cut through the current headlines noise, focus on what they can control, and make informed decisions that support long-term financial strength. In today’s environment, several critical issues demand attention—not hype, but perspective and strategy. Here are […]

The COLA is a Cost-of-Living Adjustment for Social Security beneficiaries. It’s also known as the raise, which helps offset rising living costs so that beneficiaries don’t experience a decline in their standard of living. Seniors spend more on utilities, housing, and healthcare than younger people. In some places, the increase in prices of goods and […]

Regarding retirement, everyone wants to know how long their money will last. The answer to this question depends on various factors, including your spending habits and the rate of return you receive on your investments. This article discusses how long one million dollars will last in retirement. Spending Habits Spending habits are one of the […]

If you’ve been reading financial advice for a while, you’ll probably have heard repeatedly that saving for your retirement is one of the most important things you can do to secure your future. You’ll probably spend the rest of your life working on a pension plan, and those plans will continue to change. You may […]

A Revocable Living Trust is a document that specifies how you want your property to be distributed after your death. It’s also called an “inter vivos” trust because it’s created while you’re still alive and living, so it can be changed anytime during your lifetime. Revocable Living Trusts are well suited to many types of […]

When it comes to retiring early, some of the benefits are obvious. You get to live your life without the constraints of work, and you can pursue your own interests. But there are other good reasons for retiring early, and there are some reasons why retiring early is not the greatest idea. Your Dedication is […]

Longevity and the Retiree According to The Centers for Disease Control and Prevention, almost 75,000 Americans are centenarians, that is, they are more than 100 years old, and this aging demographic is having a dramatic impact on the labor pattern in the U.S. Rather than retiring at the traditional age of 65, more than 30 […]

Life insurance myths are some of the most persistent misleading misinformation affecting people planning retirement. These analytics are commonly severely lacking in adequate research to back up popular perceptions. Consequentially, a few have fallen into avoidable financial traps. Insurance has the potential to be the strongest plan with the right guidance.  Benefits of utilizing life […]