Insights

Clear answers to the financial questions we hear most.

Articles and downloadable guides to help you navigate your retirement planning and retirement.

Featured

The 5-year retirement runway: what to do in the years before you stop working

The five years before retirement matter more than almost any other window. Here is the tax, healthcare, and cash-flow checklist we walk Toledo families through.

George DamascoApril 22, 2026

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Social Security & Medicare

Social Security: when to file, and why "break-even" is the wrong question

Most filing decisions get framed as math. The better framing is risk, longevity, survivor benefits, and the spouse left behind.

Chelsea HeintschelMarch 18, 2026

Tax Planning

The Roth conversion decision in plain English

Roth conversions can save a household six figures, or cost you money. Here is when they make sense, and when they don't.

George DamascoFebruary 11, 2026

Estate & Legacy

Inherited IRAs and the 10-year rule

If you inherited an IRA after 2019, the SECURE Act changed everything. Here is what most beneficiaries miss.

Chelsea HeintschelJanuary 28, 2026

Social Security & Medicare

Medicare at 65: the four decisions that will follow you for life

Original Medicare vs. Advantage. Part D. Medigap. IRMAA. The choices in your initial enrollment window are sticky and expensive to undo.

Sean ShinaberryJanuary 9, 2026

Estate & Legacy

How to coordinate your CPA, attorney, and advisor (so nothing falls through the cracks)

The biggest planning failures we see aren't bad advice. They're uncoordinated advice. Here is how a fiduciary advisor brings it together.

Ryan StollerDecember 15, 2025

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