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For many established professionals, retirement is no longer a distant milestone. While it feels close enough to grab your attention, there is time to make thoughtful adjustments as needed. These years are often marked by peak earning...

How to Keep Your Retirement Savings Working for You Preservation is about function, not just figures. Plan for retirement amid economic uncertainty to limit stress.

In 1900, the average life expectancy of a newborn was only 32 years old. By 2025, that number more than doubled to 73 years, and the trend is expected to continue.1,2Living this long may have unexpected tax consequences. Here’s why...

When Life Insurance Becomes Taxable Life insurance proceeds are generally tax-free. But not in all cases.

Once an estate strategy is in place, it should only require periodic reviews to check that it still reflects your wishes. However, life events such as marriage, divorce, births, deaths, relocations, health changes, business sales, and...

How Often Should You Update Your Estate Strategy? Review your legacy approach regularly, particularly following significant life events or legislative updates.

Determining the value of an estate is a fundamental first step in estate management and a critical requirement for settling a decedent’s estate.1How to Assess the Value of an EstateSelect the date of calculation. Because values move up...

Four Steps to Valuing an Estate Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.

One of the most common questions people ask about Social Security is when they should start taking benefits. Making the right decision for you can have a meaningful impact on your financial income in retirement.Before considering how...

Deciding When to Take Social Security One of the most common questions people ask about Social Security is when they should start taking benefits. Talk with our team to help you make the decision that is right for you.

CFS Client Newsletter November/December 2025

CFS Client Newsletter November/December 2025

Are you making charitable donations at year's end? If so, you should know about some of the financial "fine print" involved, as the right moves could potentially bring more of a benefit to both you and your chosen charity. Keep in mind...

Year-End Charitable Gifting and You This article may help you maximize the benefits of your donation for your chosen charity.

Some of the biggest challenges many face when it comes to education are financial. Luckily, a 529 college saving plan can help. And they're not just for college anymore - added to the tuition eligibility are K-12, private and religious...

What Can You Buy With 529 Distributions? This article can be a helpful guide when beginning to prepare for education expenses.

As the year comes to a close, it’s an ideal time to assess your financial situation and make adjustments for a strong transition into the next phase, especially as you approach retirement. This article will guide you through key...

Strategic Year-End Planning for a Strong Retirement Optimize your retirement readiness with key year-end strategies for tax planning, investments, insurance, and legacy goals.

As the year comes to a close, it’s an ideal time to assess your financial situation and make adjustments for a strong transition into the next phase, especially as you approach retirement. This article will guide you through key...

Maximize Retirement with Year-End Financial Moves Use year-end financial strategies to strengthen your retirement plan and ensure a confident transition into retirement.