Gold and silver often shine brightest when uncertainty is high, but recent performance rarely tells the whole story. Before chasing any investment trend, it is important to step back and consider its long-term performance, risks, and role within your overall financial...
Most retirement plans are built for two people living together. Very few are designed for what happens when one of them is gone. And that’s where some of the costliest mistakes in retirement planning quietly begin. The Widow’s Tax Trap (That Most People Never See...
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,...
Protecting 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...
Market 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.
Selling 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...
Rebekah J. Fero, CFP®, AIF®
Jeffrey J. Fero, II, CFP®
