A new finding from the Allianz Center for the Future of Retirement’s 2026 Annual Retirement Study puts a number on something many people sense but don’t articulate: 67% of Americans say they worry more…
Thirtysomethings show up in survey after survey as the age group most focused on getting their finances right. However, a new look at the American middle class finds that half of thirtysomethings (50%) cite…
Most small business owners have never heard of IRC §280A(g), and their tax bills are higher because of it. The provision, informally called the Augusta Rule, after the Augusta, Georgia, homeowners who have long…
Let’s assume, for a moment, that a home has been in the family for thirty years, and that the wife moves into assisted living in year one, while the husband continues living there. When…
The National Association of Realtors’ April 2026 existing home sales report carries a national headline suggesting the housing market is still grinding higher, but beneath that average lies a regional split that changes the…
A new picture of how middle-class twentysomethings are handling retirement is emerging from the Transamerica Center for Retirement Studies, and it carries a striking contradiction. The behavior looks textbook, while the underlying knowledge lags.…
The conventional wisdom on whole life insurance is that it is overpriced and better left to the insurance salesperson’s commission check than to a serious investment portfolio. This criticism is fair for most policies.…
The pitch for Vanguard Growth ETF (NYSEARCA:VUG) sits at the cheap end of a long-running debate about whether active stock pickers can beat an index dominated by mega-cap growth names. VUG charges 0.03% and…
A 64-year-old retiree with $200,000 parked in SPYI is told to expect roughly $24,000 a year at the headline yield. The cash arrives every month, but the tax form at year-end tells a different…
Caregiving used to be framed as a midlife problem. A worker in their fifties would step in to help an aging parent, often after their own kids were grown. The data tells a different…
The twentysomething cohort is doing something past generations rarely did at the same age: they are actually saving for retirement. 77% of twentysomethings contribute to a retirement account, with a median starting age of…
All too often, middle-class Americans in their forties have a number in their head, and a number in their bank account, and the two are nowhere near each other. According to the Transamerica Center…
The numbers describing the financial life of the average American twentysomething point to structural pressure rather than a generational quirk. One in three (33%) holds two or more jobs, 58% maintain a side hustle,…
Enterprise cybersecurity budgets are on track to reach $215 billion in 2026, according to Gartner, as AI-powered phishing, prompt-injection attacks against language models, and tighter CISA disclosure rules push security spending higher across every…
Schwab U.S. Dividend Equity ETF (NYSEARCA:SCHD) has become the default income holding for U.S. investors, with $71.6 billion in assets and a trailing yield near 3.5%. In 2026, three international dividend ETFs are paying…
Private credit has gone from a niche corner of finance to a $1.5 trillion-plus asset class that now extends more middle-market loans than the regional banking system. Direct lenders stepped in as banks pulled…
Three options-overlay ETFs are quietly paying double-digit annual distribution rates on a monthly (or weekly) schedule, and most income investors have never touched them. YieldMax Ultra Option Income Strategy ETF (NYSEARCA:ULTY) is throwing off…
Covered call ETFs tied to the S&P 500 have become the default income vehicle for investors seeking monthly distributions without sacrificing large-cap equity exposure. Three funds dominate the conversation: JPMorgan Equity Premium Income ETF…
Replacing $35,000 a year in income falls between a part-time consulting paycheck and the gap many retirees face between Social Security and their actual spending. The math behind hitting that number depends entirely on…
Smart beta had a confusing first half of 2026, as momentum cooled after a strong 2025, low-volatility lagged a market that kept grinding higher, and dividend growth funds got squeezed by another leg up…
