It’s easy to feel left behind when you see headlines like: “This Stock Is Up 300% This Year!” “Bitcoin Hits Another Record High” “If You Invested $10,000 Here, You’d Have $1 Million Today!” These stories stir up a powerful urge — the fear of missing out. But reacting emotionally to market hype can be one […]

You’ve probably heard it before — a friend or coworker proudly says, “My investments are up 20% this year!” It’s a common talking point. And while it’s exciting to see positive growth, it’s also where a dangerous myth in retirement planning begins: the average rate of return. Many investors — especially those nearing retirement —

When reviewing your retirement account statements, it’s natural to focus on performance. Are your investments growing? Are you still on track for your long term goals? But there is something many investors overlook: hidden fees. These small, often unnoticed costs can create a lasting impact on your retirement income strategy. The Quiet Impact of Fees

Many retirees assume their portfolios are “conservative,” but without a proper risk assessment, they may be exposed to more downside than they’re comfortable with. That blind spot can lead to more than just stress — it can have long-term financial consequences that affect your income, lifestyle, and legacy. At Financial Services of America, we help

Whether you’re just getting serious about your retirement savings or approaching the transition out of the workforce, one thing is clear: having a well-structured retirement plan is essential to long-term financial security. At Financial Services of America, we help individuals nearing or in retirement build personalized strategies that account for income needs, taxes, healthcare, and

Getting older has its nuisances as your health starts to decline, eyesight and hearing can deteriorate, you start having aches and pains in unexpected body parts. However, it does have its perks. Some of those benefits are in the form of tax breaks that come as you get older. For effective tax planning for seniors,

Creating a lasting legacy means more than just passing on your assets — it’s about ensuring your values, beliefs, and intentions live on through the people and causes you care about most. At Financial Services of America, we’re often asked how to approach legacy planning in a way that balances financial responsibility with personal meaning.

When you’re saving for retirement, the goal is clear: grow your wealth. But as you near retirement, the strategy needs to shift. At this stage, it’s not just about how much you can earn — it’s about how much you can keep. Market volatility, hidden fees, and aggressive investment allocations can all chip away at

Planning for retirement can feel overwhelming — especially when so many Americans assume Social Security will cover most, if not all, of their income needs. But the truth is, Social Security was never designed to be your sole source of retirement income. And for those who depend too heavily on it, that assumption could lead

Many retirees are talking about new tariffs in 2025 and wondering how this affects everyday spending. These policies do not just affect trade partners. They can ripple into prices of goods, household budgets, and what retirees pay for essentials. It is useful to understand where these effects are showing up. Prices on Everyday Goods Tariffs