FORGOTTEN HISTORY: 14 - The Untold Story

Halfway Through 2026: The Money Moves to Make Before the December 31 Deadline

Halfway through 2026, financial choices feel more urgent as deadlines approach faster than expected. Many savers overlook retirement contribution limits until the final weeks of the year, when opportunities become harder to maximize. The IRS has already confirmed updated contribution limits that shape how much money can move into tax-advantaged…

The Free Financial Advisor · Jun 25

Don’t Wait Until 2033: The Ugly Medicare Trust Fund Truths Missing From Your Budget

Retirement planning often feels like balancing on shifting ground, especially when healthcare costs enter the picture. Medicare plays a central role in that balance, yet its funding structure rarely gets a close look until headlines raise questions. The latest projections from federal reports, including the CMS Office of the Actuary…

The Free Financial Advisor · Jun 24

Ways The 2026 Roth Catch-Up Rule Can Change Your Tax Plan After 50

Retirement planning just got a fresh twist, and it hits hardest for workers turning 50 and beyond. The 2026 Roth catch-up rule shifts how extra retirement savings get taxed, especially for higher earners. Instead of quietly adding more pre-tax contributions, some savers will need to think in Roth terms, which…

The Free Financial Advisor · Jun 24

Money Moves Michigan Retirees Should Check After the 2026 Pension Withholding Change

Michigan retirees have watched several years of tax changes unfold, and 2026 marks a major milestone. The state’s phase-in of expanded retirement and pension tax deductions reaches full implementation, which means many retirees could see significant changes in how Michigan income tax withholding works on their pension payments. That sounds…

The Free Financial Advisor · Jun 21

9 Warning Signs a Social Media Investment Group Is Really a Scam

Social media has changed almost everything, including the way people talk about money and investing. Legitimate investors, financial educators, and market enthusiasts share ideas online every day. However, scammers have also discovered that social media provides the perfect place to find potential victims.

The Free Financial Advisor · Jun 20

9 Questions Investors Should Ask Before Moving Assets to a New Advisor

Switching financial advisors can feel a bit like changing doctors, mechanics, or even hairstylists. The decision affects important parts of life, and making a move without asking the right questions can lead to costly surprises down the road. A polished sales pitch and a friendly personality may create a positive…

The Free Financial Advisor · Jun 20

6 Medicare Trust Fund Facts Retirees Should Know Before Changing Their Budget

Retirement budgets often look solid on paper until healthcare costs enter the conversation. A grocery bill might stay fairly predictable, but Medicare expenses and future program changes can influence everything from monthly spending to long-term savings strategies.

The Free Financial Advisor · Jun 19

7 Smart Ways to Compare Retirement Tax States Before You Move

Retirement opens the door to new possibilities, and for many people, that includes relocating to a new state. A lower tax bill can make retirement savings stretch further, but chasing a tax-friendly destination without doing enough research can create expensive surprises. A state that looks perfect on paper may carry…

The Free Financial Advisor · Jun 19

The 30-Minute Quarterly Money Meeting: 8 Questions Couples Should Ask Before Small Costs Become Big Ones

Money conversations often land somewhere between “important” and “maybe later.” Bills get paid, subscriptions renew, small purchases pile up, and before long, a handful of harmless expenses quietly morph into a budget headache. The tricky part is that financial trouble rarely arrives all at once. It usually sneaks in through…

The Free Financial Advisor · Jun 18

California Investment Advisers Must Notice File Within 30 Days: What Clients Can Check Before Hiring One

Money decisions often come with a healthy dose of trust. Whether someone plans for retirement, builds a college fund, or manages a growing investment portfolio, the adviser sitting across the table may influence major financial choices for years to come. That makes it important to know not only what an…

The Free Financial Advisor · Jun 18