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.
Addressing Retirement for Gen X
A recent study by Investopedia found that Generation X’s biggest worry is retirement. The survey found that although many members of Gen X feel like they understand their finances, they are still concerned about setting themselves up to transition into retirement. Nearly one in four Gen Xers are not sure when, or even if, they will be able to retire.[1] These numbers are very significant. They mean that even if Gen X feels like they…
Jim Brogan joins NewsTalk 98.7 to Discuss the Debt Ceiling Crisis
Jim Brogan, President & Founder of Brogan Financial, joins Phil Williams on NewsTalk 98.7 to discuss the debt ceiling crisis, Memorial Day Weekend, & the latest market news. Click the play button below to listen!
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Target-Date Funds: The Backbone of Many Retirement Accounts
A target-date fund is an investing tool, often in the form of an ETF or mutual fund, that adjusts its investment strategy based on how much time there is until the target date. The investments are strategized for long-term growth when you are further away from the target date and strategized for wealth preservation the closer you get to it. Another name for these kinds of funds is age-based funds and life-cycle funds, and they…
Beneficiary Designations: The Most Overlooked Area in Estate Planning
Beneficiary Designations: The Most Overlooked Area in Estate Planning How have you named beneficiaries on your retirement accounts like 401k, 403b, IRA, etc? Beneficiary designations on retirement accounts supersede anything that is listed in a Last Will and Testament. Beneficiary designations create some opportunities and some challenges. The opportunity is when you name a beneficiary, you bypass probate on those accounts. The main challenge is that your Will is multiple pages and allows for very…
What if 1 Million Dollars Isn’t Enough to Retire?
If you are headed toward retirement soon, or you have just retired, you may find yourself wondering, “Is my nest egg enough?” It’s a common question and one that causes a lot of people a lot of reasonable anxiety. Because retirement finances are much more about prediction than they are about facts and assurances, it can be hard to feel confident that you will have enough to carry you through your entire retirement. As you…
How Long Can I Keep My Money in My Retirement Account?
In most cases, you can’t actually keep your money in your retirement accounts forever. Even if you don’t need the money from your retirement accounts, many of them will require you to begin withdrawing from them when you are 73 years old.[1] This is called a required minimum distribution (often shortened to RMD). More specifically, you must start taking RMDs by April 1st following the year you turn 73.[2] The amount you are required to…
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…
