Eric R Poole, Financial Planner

Quick gut check: Do you know who's listed as beneficiary on your retirement accounts right now? Not who you'd want it to be — who's actually on the form. In most cases, beneficiary designations supersede your will. If yours are out of date, your estate plan may not work the way you think it does.

Who is on Your Beneficiary Form? A forgotten form can override your will.

What if you could send $100 back to 1928 and invest it? We broke down three paths — cash, bonds, and the stock market — and tracked what happened over nearly a century. The results are a good reminder that compounding doesn't need perfect conditions. It just needs time.

Why Time Matters More Than Timing See what a century of investing history shows.

Sitting in cash can feel safe. But over long periods of time, ”safe” might have a cost. We recently broke down what happened to $100 across three different paths over nearly 100 years. The choice that felt safest at the start didn't end up that way. Take a look.

The Comfort Trap Many Investors Fall Into History shows why comfort can come at a cost.

Inflation doesn't shout. It just quietly chips away. In the late 1920s, $100 could cover more than a month's rent. Today, it might cover dinner out. In our latest newsletter, we explored what happened when that $100 was invested differently — and what it means for your purchasing power over time.

The Hidden Risk of Playing It Too Safe See what a century of history says about cash.

History doesn't repeat exactly, but it does tend to reward patience. When markets feel uncertain, it helps to zoom out. In our latest Visual Insights Newsletter, we looked at what happened to $100 invested in 1928 and left alone for nearly a century. The results may surprise you.

What a Century of Investing History Shows A simple lesson about time and discipline.

Many retirees underspend, not because they need to, but because they’re afraid of making the wrong decision at the wrong time. When retirement is framed as one long, steady chapter, the stakes feel high. Spend too much now, and you worry about later. Spend too little, and you wonder what you’re missing. But what if retirement is better understood as three chapters, each with its own pace and priorities. I break this down in my latest note, along with a few questions worth thinking about as you plan your next chapter.

Retirement Spending New research challenges old ideas of retirement.

Early retirement often brings momentum. Mid-retirement brings rhythm. Later years shift toward stability and care. Does your financial plan adjust as life does?

It is Okay to Enjoy Your Money What is the point of retirement?

Not sure where to start with your Social Security decision? This guide includes a simple decision flowchart that walks you through the key questions — so you can approach your filing decision with more clarity and confidence. Take a look!

FREE GUIDE: When, Why, and How Should I File for Social Security? This 5-minute guide breaks down over 2,700 Social Security claiming rules

One of the top retirement fears is running out of money. But what if the bigger risk is holding back too much in the years you’re healthiest and most active?

Retirement Planning Meets Real Life Data shows retirement rarely follows a steady path.

Thinking about when to file for Social Security? The answer depends on more factors than many people realize — income, marriage, health, whether you're still working. This quick guide helps you think through what matters most for your situation.

FREE Guide: Maximize Benefits and Social Security Income Read this quick guide to identify the crucial steps to maximizing your Social Security income