Brian Hennaman CFP®

Many people dream of retiring before age 59½, but accessing retirement savings early often comes with a major obstacle: the 10% early withdrawal penalty. Fortunately, there is an IRS provision that may allow certain workers to access retirement funds without…

For decades, the 4% rule for retirement has been one of the most widely cited guidelines for determining how much retirees can safely withdraw from their investment portfolios each year. The concept is simple. If you withdraw 4% of your…

Losing a spouse is one of the most significant life transitions anyone can experience. Along with grief and emotional challenges, many widows and widowers suddenly find themselves responsible for financial decisions they may not have handled before. Questions about retirement…

Losing a spouse is one of life’s most difficult experiences. Along with grief and emotional stress, many surviving spouses are suddenly faced with financial responsibilities and decisions they may never have handled before. Questions about bank accounts, Social Security benefits,…

Losing a spouse is one of life’s most difficult transitions. Along with grief, many widows suddenly find themselves responsible for financial decisions they may have never handled before. Questions about retirement accounts, Social Security, investments, insurance policies, taxes, and long-term…

Artificial intelligence has rapidly reshaped the financial advice landscape. Today’s tools can explain complex strategies, model retirement outcomes, and generate investment ideas in seconds—capabilities that, until recently, were largely confined to professional advisors. For many investors, this represents meaningful progress.…