Daniel Reece, financial advisor with Raymond James

Age is just a number, but it matters when it comes to retirement. Here's how you can prepare financially and emotionally:

What time is the right time for retirement? raymondjames.com

Just because you've reached retirement doesn't mean the potential for earning stops. Learn more about how you can turn your retirement funds into retirement income.

Maintaining income after retirement raymondjames.com

The longer we live in retirement, the more challenging it is to course correct if need be. One way to ensure that you're on track for a fulfilling retirement is to conduct a mid-retirement review.

A mid-retirement check-in www.raymondjames.com

In giving your child the gift of financial literacy, you're helping set them up for a brighter future. Through a purposeful approach, we can all do our part to raise the next generation of resourceful citizens.

4 priceless money lessons for kids www.raymondjames.com

"Age may just be a number, but when it comes to retirement, it matters." In a recent Raymond James article titled "What Time Is the Right Time for Retirement?," we delve into the critical considerations surrounding retirement planning and longevity, like lifestyle alignment, financial preparedness, health and well-being, market volatility and more. There's no one-size-fits-all answer, that's why Raymond James offers a wide variety of longevity planning resources to help your unique circumstances and aspirations. Read the full article for deeper insights and actionable steps toward a rewarding retirement journey.

What time is the right time for retirement? www.raymondjames.com

Converting a traditional IRA to a Roth can mean tax-free withdrawals in retirement and a more substantial inheritance for heirs. Is it right for you?

Should you convert your traditional IRA to a Roth? www.raymondjames.com

Considering an "encore" career? You're not alone. Baby boomers are the fastest-growing demographic in the workplace.

Retirement doesn't have to mean leaving your career behind www.raymondjames.com

Raymond James has a launched a great program for short-term cash management needs.

Yield: current rate 4.50%

Safety: up to $50 million in FDIC protection

Liquidity: Funds available next business day

Minimum: $100,000

Don't hesitate to reach out if you have any questions or would like to take advantage of the program.

Each quarter, Raymond James strategists come together to discuss what's happening in the markets and economy, their outlook the coming months and how unfolding developments may impact your portfolio. See their insights in Investment Strategy Quarterly.

Investment Strategy Quarterly: April 2023 www.raymondjames.com

Raymond James has a launched a great program for short-term cash management needs.

Safety: $50 million in FDIC protection

Yield: current rate 4.50%

Liquidity: Funds available next business day

Minimum: $100,000 new money to Raymond James

Don't hesitate to reach out if you have any questions or would like to take advantage of the program.

"Just Keep Buying" by Nick Maggiulli is an excellent book that simplifies the world of investing using relatable examples and a conversational style. The book emphasizes the importance of long-term investing and the benefits of buying and holding a diversified portfolio, while providing pros and cons of different asset classes such as stocks, bonds, investment property, REITs, farmland, and more.

The end of the book also includes practical takeaways and a great summary, with the "Just Keep Buying Rules" that cover various aspects of investing, saving, debt and retirement. These rules provide guidance on how to approach different investment decisions, such as saving what you can, focusing on income instead of spending, buying income-producing assets, and not fearing volatility when it inevitably comes.

Just Keep Buying Rules:
1. Saving is for the Poor, Investing is for the Rich
2. Save What You Can
3. Focus on Income, Not Spending
4. Use The 2x Rule to Eliminate Spending Guilt
5. Save at Least 50% of Your Future Raises and Bonuses
6. Debt Isn't Good or Bad, It Depends on How You Use It
7. Only Buy a Home When the Time Is Right
8. When Saving for a Big Purchase, Use Cash
9. Retirement is About More Than Money
10. Invest to Replace Your Waning Human Capital with Financial Capital
11. Think Like an Owner and Buy Income-Producing Assets
12. Don't Buy Individual Stocks
13. Buy Quickly, Sell Slowly
14. Invest As Often As You Can
15. Investing Isn't About the Cards You Are Dealt, but How You Play Your Hand
16. Don't Fear Volatility When It Inevitably Comes
17. Market Crashes Are (Usually) Buying Opportunities
18. Fund the Life You Need Before You Risk it for the Life You Want
19. Don't Max Out Your 401(k) Without Considerable Thought
20. You'll Never Feel Rich and That's Okay
21. Time is Your Most Important Asset

Whether you are a beginner or an experienced investor, "Just Keep Buying" is an invaluable resource that can help you develop a better understanding of the world of investing.

Although a million dollars may seem like a daunting figure, especially if you haven't been diligent about saving, there's good news: You don't have to make $1 million to save $1 million. Here are some of the habits that can help you get there.

Five habits of 401(k) millionaires www.raymondjames.com

Everyone leaves behind a unique legacy. Regardless of your priorities, sharing your life's passions with your loved ones is one of the finest ways to create a legacy that lives on. Here are some ways you can share something of significance with your heirs.

Leave a legacy that goes beyond money www.raymondjames.com

Excited to finally announce that I earned my CFP® certification after passing the exam in early November. Special thanks to my wife for picking up my slack around the house for the last year and allowing me to study! https://www.raymondjamesconnect.com/axGfoS

Have you reviewed your cash mangement strategy recently? A brokered CD may be an appropriate option. Message me to learn how brokered CDs can help with cash management.

Have you reviewed your cash mangement strategy recently? A brokered CD may be an appropriate option. Message me to learn how brokered CDs can help with cash management.

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We were able to continue our family tradition and run The State Street Mile this weekend. The last two years the race has been canceled due to Covid. The race organizers did a great job and it's nice to support UW Health SwedishAmerican.

Photos: 2022 & 2016

It was great to see all our clients and friends at Starlight Theatre for a showing of the Little Mermaid. The cast and crew did an amazing job!

Markets are hoping for a soft landing, but inflation concerns could make for a rough approach. Read more in our May recap: https://go.rjf.com/3t7njwk

Markets seek direction, hope for soft landing www.raymondjames.com

Volatility can be unsettling, but it's an inevitable part of investing. Consider these tips for navigating market swings and taking advantage of the opportunities they may present.

How to help mitigate the negative impacts of market swings www.raymondjames.com

Talking to kids about money is important. Though a class might help – and your advisor can be a valuable teacher's aide – your kids are still taking their cues from you. Here are some financial lessons to teach your kids at each age and stage.

Raising Smart Spenders and Savers www.raymondjames.com

If you have wealth to transfer, you may worry about the sometimes adverse effect of sudden wealth and the squandering of assets within a generation. Thankfully, there are options to help ensure your legacy lasts.

Tips for creating an inheritance that lasts generations www.raymondjames.com

The world's eyes – and those of the markets – are locked on Russia and Ukraine. Before making any rash financial moves, keep in mind that the S&P 500 has historically overcome even the most significant corrections.

Over time, markets have proved positive and resilient www.raymondjames.com

Even though they may seem far off, your financial goals matter. They are important to you, and important to us. Let's work together to reach them.

The inheritance conversation should cover more than the transfer of wealth. Here's what you should consider as you prepare for it:

The importance of discussing inheritance with your heirs www.raymondjames.com