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 | Jan 9, 2026 | Financial Advisor, Retirement, Wealth Management
There May Be a Better Starting Point for Retirement Decisions “Can we afford it?” It’s one of the most common questions I hear from people approaching or living in retirement. A trip.Helping a child.Upgrading a home.Retiring earlier than planned. On the surface, it...
by Judy Carlson | Oct 9, 2025 | 401(k), Financial Advisor, Investments, Long-Term Care, Medicare, Retirement, Social Security, Wealth Management
When you hear the word plan, what comes to mind? Maybe it’s your calendar. A recipe. Directions on your GPS. Each of these may have one thing in common: they tell you what to do next. That’s the heart of a true plan—clear steps that guide you toward a goal. And yet,...
by Judy Carlson | Oct 2, 2025 | 401(k), Investments, Retirement, Social Security, Taxes, Wealth Management
Retirement may not just be another financial milestone—it may be the capstone of decades of decisions, habits, and circumstances. Unlike saving for a vacation or buying a car, you typically only get one shot at getting retirement right. That’s why Nobel Prize–winning...
