The period immediately following the death of a spouse is often characterized by urgency, administrative, financial, and emotional. From a planning perspective, however, this period requires the opposite approach: Deliberate restraint. Decisions made during this time,...
Read MoreMarket Drops Don't Feel Like Opportunity. When markets fall, most investors feel one thing: loss. But in retirement planning, there's a different lens, one that sees opportunity inside volatility.
Read MoreSelling an investment at a gain can set off a chain of tax questions that aren't always straightforward. This page explains how capital gains tax on investments is determined for 2026, along with a free downloadable flowchart from Fero Financial built to help you work...
Read MoreLife has a way of arriving before you feel ready for it. Understanding the key financial milestones by age gives you the chance to prepare thoughtfully, rather than react to each new stage as it unfolds. Fero Financial created this resource as a practical reference...
Read MoreRetirement opens a chapter unlike any other. After decades built around work and career, many people find themselves asking what to do now that they're retired. It's one of the most personal questions anyone can face, and the answer looks different for everyone. How...
Read MoreMost people don’t think about insurance until something breaks. A car accident. A hurricane. A lawsuit. A claim that suddenly turns theoretical risk into a very real-life event that demands immediate attention and resources. As a CERTIFIED FINANCIAL PLANNER™...
Read MoreMost People Assume Medicare Has a Fixed Cost It doesn’t. Your Medicare premiums are based on your income. And for many retirees, this comes as a surprise—often after the fact. What Is IRMAA? IRMAA stands for: Income-Related Monthly Adjustment Amount It means: The more...
Read More“This is a hypothetical example and is not representative of any specific investment. Your results may vary.” Client details have been modified for confidentiality. The Situation A retired couple, both age 68, was referred to our firm by a retired CPA. They had...
Read More
The first 90 days after losing a precious spouse can feel overwhelming. This financial checklist for widows explains the most important steps to take, what decisions should wait, and how to begin organizing your financial life after loss. The First 90 Days After Losing...
Read MoreLosing a spouse changes everything. One moment life feels structured and familiar. The next, the ground beneath your feet feels uncertain. Many widows tell me about the same thing in the first few months: “I feel like I’m standing in the middle of a financial fog.” The...
Read MoreSchedule some time with us to talk and see if we’re a good fit for each other.
Get In TouchRebekah J. Fero, CFP®, AIF®
