An independent financial, investment, and retirement planner. Identifying opportunities and protecting what's important. We help you protect your paycheck through all walks of life and manage assets to help you achieve your retirement goals.
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📊 For decades, bonds have been the go-to investment for managing risk. But is that still true in today's market? 📈 With inflation remaining elevated and interest rates potentially moving higher, many investors are asking whether the traditional 60/40 portfolio is enough. In this interview, Peter Richon with Richon Planning and Erin Kennedy discuss: ✅ Why bonds may not provide the same stability…
Six years may sound like plenty of time, but the choices you make today can have a major impact on your retirement lifestyle tomorrow. 🌴💰 In this video, Peter with Richon Planning and Erin Kennedy cover 6 important steps to take before you retire, including: 🏖️ Test-drive your dream retirement destination before you commit. 🏡 Complete home repairs and renovations while you're still earning. 🤝…
A new study from the Center for Retirement Research at Boston College found that nearly 1 in 5 married couples aren't coordinating their retirement savings, and it could be costing them about $760 every year. 😳 So how does this happen… even when both spouses are contributing? In this interview, Peter Richon with Richon Planning and Erin Kennedy break down: ✔️ What it really means to coordinate…
What worked for your retirement plan years ago… might not be the best fit today. And making the wrong move could cost you. ⚠️ In this interview, Peter Richon with Richon Planning and Erin Kennedy break down: ✔️ The difference between surrendering vs. replacing an annuity ✔️ When it actually makes sense to consider a change ✔️ Common (and costly) mistakes to avoid ✔️ Tips to make the process smooth…
Here's a number that should change how you think about retirement: 12 . That's about how long a healthy 60-year-old has before mobility, energy, and independence begin to decline. Let that sink in. Too many financial plans are built around steady, flat income over 25–30 years. But real life doesn't work that way. As Peter Richon with Richon Planning explains to Erin Kennedy, spending tends to…
Thinking about paying off your mortgage before retirement ? Not so fast… Going into retirement debt-free sounds like the dream, but should you tap your retirement savings to make it happen? In this interview, Peter with Richon Planning and Erin Kennedy break it down When it does make sense to pay off your mortgage How to balance the numbers vs. peace of mind Why pulling from retirement accounts…
The good news? A smart strategy now can make a BIG difference later. In this video, Peter with Richon Planning and Erin Kennedy lay out your 4-step action plan to retire with confidence: Max out tax-advantaged accounts (don't forget catch-up contributions!) Open & fully fund an IRA — and consider going Roth for tax-free growth Leverage HSAs (triple tax advantage + future healthcare funding!)…
When it comes to Medicare, most people focus on coverage… but not enough attention is paid to what you'll actually pay. As Peter with Richon Planning explains to Erin Kennedy, if you're considered a "high-income beneficiary" by the Social Security Administration, you could be hit with an extra charge called IRMAA (Income-Related Monthly Adjustment Amount)… and it can significantly increase your…
🚨 Social Security is facing a major deadline. A new report projects the trust fund could be depleted by 2032… which may mean benefit cuts of up to 22%. 📉 So what does that actually mean for you? In this conversation, Peter with Richon Planning and Erin Kennedy break down: 👉 Is Social Security really "going away"? 👉 Should you claim early at 62? 👉 What changes could be coming from Washington…
Divorce isn't just emotionally difficult... it can be financially overwhelming if you're not prepared. If you're considering a divorce, Peter with Richon Planning and Erin Kennedy break down three major costs people often underestimate: ⚖️ Legal Fees The average divorce costs $15,000–$20,000, but contested cases can exceed $100,000. Planning ahead can make a big difference. 🏠 Cost of Living Going…
Everyone's talking about SpaceX... and for good reason. The innovation is real. The technology is groundbreaking. And under Elon Musk, it's become one of the most talked-about companies in the world. But is it a great investment? In this video, Peter with Richon Planning and Erin Kennedy offer this reality check: • Nearly 60% of IPOs since 1980 delivered zero or negative returns over 3 years •…
