Confidence with money in retirement usually isn't a personality trait. It's closer to a skill built from knowing a few specific numbers and having a routine to check them. This guide walks through what that actually looks like, plus a few situations where even a...
Read More
"Do I need a financial planner?" is rarely a question people ask out of idle curiosity. It usually comes up because something specific already changed, like a new account to track or a decision that suddenly feels bigger than the ones before it. This guide walks...
Read MoreThe 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 MoreProtecting the Integrity of Your Clients’ Estate Plans An estate plan isn’t complete when the documents are signed. It’s complete when every financial decision continues to support the intent of those documents throughout a client’s lifetime. A Shared Commitment to...
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 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®
Jeffrey J. Fero, II, CFP®
