by Judy Carlson | Jul 9, 2026 | Financial Advisor, Investments, Retirement, Social Security, Wealth Management
Why That Question May Be Asked Backwards Every week, I see some version of the same headline. “I’m 65 with $1.1 million saved and a $2,800 Social Security check. What’s my retirement budget?” Or “Is a million dollars for retirement enough?” This week it was Kiplinger....
by Judy Carlson | Jun 18, 2026 | Investments, Life Insurance, Retirement, Social Security, Wealth Management
Legacy Dollars in Action It was December 2024. My son and his girlfriend had been living in apartments for five years. They had to move again by March. Notice was due by the end of January. Denver is expensive. Housing prices are high. They were talking about moving...
by Judy Carlson | Apr 30, 2026 | Financial Advisor, Retirement, Social Security, Wealth Management
2,923 days…That’s how many chances you may have to get Social Security right. Most people never think about it that way. They may think about Social Security as a form you fill out when you’re ready to retire. Or a benefit that you turn on at 67, because...
by Judy Carlson | Apr 30, 2026 | Investments, Retirement, Wealth Management
Are you worried about a market crash? I hear it constantly. In workshops, in first meetings, in conversations with people who have saved diligently for decades and still lie awake at night wondering if it will be enough. When I ask people what concerns them most about...
by Judy Carlson | Apr 9, 2026 | Financial Advisor, Retirement, Wealth Management
They slid their financial plan across the table. It was thick.Over 80 pages. Colorful charts.Graphs.Monte Carlo simulations. At the top, in bold: “Probability of success: 92%.” The question they came in asking me was whether they were going to be okay financially...
by Judy Carlson | Mar 1, 2026 | Annuities, Financial Advisor, Investments, Retirement, Wealth Management
Most retirement plans are built on projections. Projected returns.Projected averages.And Projected probabilities. On paper, they can look sophisticated. But if your retirement income only works when the market cooperates, you may not have a financial plan. You may...
