Retirement should be a time of renewed purpose, joy, and steady confidence, not a season dominated by financial stress or fear about running out of money. Yet for many retirees, the shift from building a nest egg to distributing it can feel overwhelming. You spend decades saving diligently, only to realize that turning those savings into stable, predictable income is an entirely new challenge. The bucket strategy offers a simple, disciplined method to help you navigate that t

The Mega Backdoor Roth: How It Works, Who It’s For, and Why It Matters If you’ve ever been disappointed due to your income levels to take full advantage of a Roth IRA, the Mega Backdoor Roth could be the secret weapon that could help you. It’s an extremely powerful retirement savings strategy for high earners, yet it’s often overlooked or misunderstood. How does it exactly work, who does it benefit, and what you should watch out for. What Is a Mega Backdoor Roth? A Mega Backd

When most people think of legacy planning, their minds go straight to writing a will or setting up a trust. Those are certainly important...

When we give money or assets to loved ones, most people do not think about taxes while they are doing it.  After all, giving is supposed...

I If you are retired or nearing retirement, it’s important to stay informed about legislation that could affect your financial future....

As we approach the halfway point of 2025, many families, business owners, and individuals may be starting to contemplate an important...

One of the most common and important questions I receive from clients approaching retirement is, “How does Medicare actually work?”  For...

The passage of the Social Security Fairness Act in January 2025 marks a significant victory for over 2.5 million public sector workers...

“…Remember the words the Lord Jesus Himself said: ‘It is more blessed to give than to receive.’”                                         ...

As Christians, one of our core beliefs is that the Holy Bible is the infallible Word of God.  In fact, God’s word tells us: “All...

“The Lord God took the man and put him in the garden of Eden to work it and keep it.” -Genesis 3:17 In my early years, I viewed work as a...

Many investors are familiar with values-based investing which is a strategy that evaluates investments not only for potential profit and...

By Neil Chacko, CFP®, CKA® I run a bible study at my church where we explore what God’s word has to say about finances and managing money....

As stewards of what God has given us, it is our responsibility to manage our finances for the will of the owner. Scripture tells us in...

By Neil Chacko, CFP®, CKA® Many people are surprised to learn that the Bible has over 2300 verses that talk about money and money...