Latest Articles
Explore insights on retirement planning, tax strategies, investing, and financial transitions, designed to help you approach financial decisions with greater understanding over time.
Understanding the Four Phases of Your Retirement Budget Strategy
One way of thinking about retirement is that it happens in phases. The length of each phase and the strategies for each are going to differ from person to person, but this can be a helpful way to break down a very complex topic. We’re going to break down each one of the phases and explain some important financial moments in each. Phase 1: Pre-retirement (Approximately Ages 50-62) This is around the age when you…
4 Questions Pre-Retirees Are Asking
When it comes to your retirement, feeling prepared is something that keeps many up at night. Have you saved enough? What if you have unexpected expenses? What if the market is volatile during the early years of retirement? Should I delay my retirement date? These are some of the questions people getting ready to retire are asking. To have your most successful retirement, you should consider the following. Have I saved enough? How much you…
What is One of the Highest Expenditures in Retirement?
One of the highest expenditures in retirement is healthcare. Finding ways to optimize your spending on healthcare can help protect your retirement finances in the long run. In 1960, healthcare spending as a percentage of U.S. GDP was only 5%. In 2021, spending hit 18.3% of U.S. GDP, almost quadrupling spending over 60 years.1 The average retiree aged 65 is going to spend close to $315,000 on their healthcare over the rest of his or…
Ways to Make Technology Work for Your Financial Future
Life is busy. And keeping track of your day-to-day finances sometimes doesn’t make the top of the to-do list. How can you make sure you are on the right track when it comes to finances and retirement savings? A 2023 Fidelity report found that the typical American household has saved just 78% of the amount necessary for retirement. Meanwhile, 52% of households may have saved so little that they won’t be able to manage their essential expenses…
Hallerin Hilton Hill Interviews Jim Brogan on Social Security & the Current State of the Market
Jim Brogan joins Hallerin Hilton Hill on NewsTalk 98.7 to discuss Social Security, cost of living adjustments, potential market instability, and more. Click the play button below to listen!
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Social Security COLA is Keeping Up with Inflation, or is It?
Inflation in the United States has been falling in 2023 — hitting its lowest level in more than two years in June 1. However, when things cost more, that leaves less for savings. The 2023 Retirement Confidence Survey2 found that two-thirds of retirees worry that the increasing cost of living will make it harder for them to save money. In addition, 58% are concerned they will have to make substantial cuts to their spending. Inflation…
Required Roth Catch-Up Contributions: How SECURE 2.0 Affects High Earners Age 50+
Tax Planning Updates for 2026
Behavioral Finance vs. FOMO: How to Block Out Market Noise and Stick to Your Plan
Your neighbor just told you about a stock that doubled in six months. Your college roommate posted screenshots of cryptocurrency…
Retirement in a High-Interest Environment: Adjusting Withdrawal Strategies
The retirement playbook has changed dramatically. After years of scraping by on bonds paying next to nothing, retirees are now…
The Role of Personalized Planning in Effective Wealth and Investment Management
Smart Ways to Manage Year-End Bonuses and Extra Income
That year-end bonus notification just hit your bank account. You’re staring at extra money that wasn’t part of your regular…
