Key Takeaways Financial accounts to review during estate planning go well beyond what's listed in the will. Many assets pass by beneficiary designation outside a will entirely, regardless of what the will says. A missing contingent beneficiary can leave an account...
Key Takeaways A first sit-down with a financial planner is usually much simpler than people expect: mostly conversation, barely any paperwork. The first call is about fit and clarity, not a deep financial review. Documents become useful once the conversation moves past...
Key Takeaways Retirement spending guilt is common enough that it's not a personal flaw. The guilt is often a leftover reflex from decades of saving, not a signal that something's wrong. There's a real difference between healthy caution and guilt that's simply stuck. A...
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...
Most retirement money mistakes don't come from one bad decision. They come from decisions nobody realized were being made at all, like how much to spend in the first year of retirement or when to enroll in Medicare. This guide walks through the most common ones, and...
Rebekah J. Fero, CFP®, AIF®
Jeffrey J. Fero, II, CFP®
