Understanding the Four Phases of Your Retirement Budget Strategy Brogan Financial

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

4 Questions Pre-Retirees Are Asking Brogan Financial

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

What is One of the Highest Expenditures in Retirement? Brogan Financial

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

Ways to Make Technology Work for Your Financial Future Brogan Financial

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

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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!      

Social Security COLA is Keeping Up with Inflation, or is It? Brogan Financial

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

Empty Nest – Now What? Brogan Financial

After decades of kids as the top priority, your nest is empty. It’s time to focus on yourself and your next phase of life. Becoming an empty nester is as much a change in your mindset as it is a change to your financial situation. How you spend the extra hours, weekends and money that

Gen Z: The Next Generation of Investors Brogan Financial

Gen Z (born 1997 to 2013) is a generation of digital natives who were born into a world of technology. They have grown up with instant access to information through smartphones, social media, and the internet. As a result, they have a unique perspective on technology and its role in society. So, it is no

Social Security: 10 Things You Need to Know About Survivor Benefits Brogan Financial

Did you know you are entitled to your spouse’s Social Security benefit when they pass away? At retirement, you might choose to collect either your own benefit or your spouse’s survivor benefit, whichever is higher. Many people don’t understand or know when to claim survivor benefits. The following are 10 key things spouses should know

Three Emotions to Avoid and Three Ways to Protect Against Them When Investing Brogan Financial

Emotion is one of the biggest enemies of successful investing. Managing your emotion in difficult and choppy markets can be hard. A 2018 study published in the Journal of Financial Planning found that investors who use a behavior modified approach to investing that removed emotion saw returns up to 23% higher over 10 years.1 Removing

6 Key Areas of Personal Finance Success Brogan Financial

Whether you are deep into your career, nearing retirement, or already enjoying your golden years, there are some personal finance topics that are always relevant. Some aspects of your finances take the back seat, or are at the forefront depending on what phase of life you are in. When you are just starting out your

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Jim Brogan, President & Founder of Brogan Financial, joins Bob Yarbrough on NewsTalk 98.7 to discuss building your long-term wealth, tax restrictions surrounding retirement savings accounts, and break down why workers aren’t contributing to their 401(k)s.