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Here at Sadler Retirement, we are dedicated to helping you understand everything you need to know about retirement planning. We want you to get to your 7-day weekend feeling confident that you can enjoy it to your fullest.

Wednesday, May 13, 2026

Why Is This Conversation So Important Right Now? The U.S. is in the middle of a sustained demographic shift. More than 61 million adults are aged 65 and older as of 2025, and that number is projected to reach approximately 82 million...

Tuesday, April 14, 2026

Social Security decisions are often framed as a single question: “When should I start drawing benefits?” That question matters, but it can also be limiting. The better question is: how does Social Security fit into my overall...

Thursday, April 2, 2026

If you are a parent of a teen or young adult, how do you teach them to make confident money decisions before the stakes are high? Teaching teens and young adults about money is less about formal instruction and more about repeated...

Monday, March 23, 2026

Key TakeawaysHere are some questions this blog aims to answer:How can parents or grandparents help with a down payment for adult children?What are ways to gift a down payment, and how do the annual gift tax exclusion and lifetime...

Monday, March 2, 2026

Key TakeawaysHow much wealth are women on track to control in the next decade, and why does that matter?What does the life expectancy gap between women and men mean for how long money needs to last?How common is it for women to be...

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Tuesday, February 24, 2026

Key TakeawaysTreat tax strategy as a continuous process, not a once-a-year filing exercise.Coordinate with financial and tax professionals throughout the year to identify opportunities for efficiency.Review contribution limits,...

Wednesday, February 11, 2026

Key TakeawaysEmotions and biases might influence financial choices more often than most people realize.Behavioral patterns, such as loss aversion, familiarity bias, and herd mentality, can impact long-term results.Recognizing emotional...

Wednesday, June 25, 2025

Few events are more stressful and disruptive than an unexpected job loss or layoff. For many, it’s a hit not just to finances but also to confidence and sense of self. You're not alone if you’ve been laid off—or if the idea is an...

Monday, June 16, 2025

Planning for the future isn’t just about saving and investing—it’s also about making things easier for the people you care about. One of the most important (yet often overlooked) steps you can take is making sure your loved ones know...

Thursday, June 5, 2025

Most people don’t know what the EBRI Retirement Confidence Survey is—but it offers a fascinating snapshot of how Americans actually feel about retirement. From cost-of-living worries to healthcare expectations and gaps in Social...

Thursday, May 22, 2025

The reason withdrawals from a Traditional Individual Retirement Account (IRA) prior to age 59½ are generally subject to a 10% tax penalty is that policymakers wanted to create a disincentive to use these savings for anything other than reti

Wednesday, May 14, 2025

Starting Social Security benefits before reaching full retirement age brings into play the earnings test. If a working individual starts receiving Social Security payments before full retirement age, the Social Security Administration will

Tuesday, April 22, 2025

Are the ups and downs of the stock market leaving you unsettled? Feeling hopeful when the market rises and uneasy when it dips is natural. However, these emotions can sometimes lead to hasty buying or selling, and attempting to outsmart the

Monday, April 7, 2025

Most children stop being “and-a-half” somewhere around age 12. Kids add “and-a-half“ to make sure everyone knows they’re closer to the next age than the last. When you are older, “and-a-half” birthdays start making a comeback. In fact, sta

Wednesday, March 26, 2025

Without careful tax planning, retirees may face unexpected tax burdens that reduce their income and limit their financial flexibility. Understanding how different income sources are taxed can help you develop a strategy to reduce tax exposu

Tuesday, March 11, 2025

Retirement is a significant milestone, but it doesn’t mean your financial planning is over. Regularly updating your financial plan ensures you maintain security, adapt to changing needs, and make the most of your retirement years.

Thursday, March 6, 2025

As you prepare for retirement, regularly reviewing your financial plan is essential to ensure a smooth transition into this next phase of life. Your goals, income sources, and expenses will shift, making it important to adjust your strategy

Tuesday, February 25, 2025

As you enjoy retirement, reviewing your financial plan regularly becomes even more critical to maintaining a secure and fulfilling future. Retirement brings unique financial considerations, and a periodic check-up ensures your strategy evol

Thursday, February 20, 2025

Are you in your early sixties and hoping to make a splash in your retirement strategy? The SECURE Act 2.0 introduced a $11,250 catch-up contribution for those aged 60-63. This “super catch-up” is part of a new tiered catch-up...

Wednesday, February 5, 2025

As the New Year settles in, it’s the perfect time to set clear retirement goals that align with your financial future. Whether retirement is decades away or just around the corner, creating actionable goals can help you build a solid plan f

Tuesday, January 21, 2025

As we step into the promise of 2025, it's the perfect time to refresh our financial outlook and align our strategies with the opportunities that lie ahead. The start of a new year invites us to reflect on our progress and set...

Thursday, January 9, 2025

As we enter into the new year, I can't help but reflect on what a wild financial journey 2024 was. I'm sure many of us can recall the headlines proclaiming it was a year ripe for recession. However, time has shown that America's ingenuity a

Friday, December 13, 2024

The start of a new year brings a sense of renewal and an opportunity to refocus on your retirement goals. Whether you’re planning for retirement in the next decade or already enjoying this exciting phase of life, taking time to review and u

Friday, December 6, 2024

As the year draws to a close, it’s the perfect time to review your retirement strategy and make adjustments to ensure a strong financial foundation for the future. Year-end planning isn’t just about checking items off a to-do list—it’s abou

Tuesday, November 19, 2024

During Long-Term Care Awareness Month this November, we’re highlighting the importance of having a plan for potential care needs later in life, or in case of an unexpected injury. Whether you're still in the accumulation phase of retirement

Wednesday, November 13, 2024

As we recognize Long-Term Care Awareness Month this November, it’s a good time to understand what long-term care entails and how it may impact your retirement plans, no matter what age you are. Long-term care refers to the services that sup

Thursday, October 24, 2024

Estate planning can seem complex, but with a basic understanding of the key components, it becomes much more manageable. Whether you’re nearing retirement or already enjoying your golden years, understanding the essentials of estate plannin

Monday, October 7, 2024

Estate planning is often overlooked, but it’s a crucial part of preparing for retirement. Whether you're just a decade away from retirement or already enjoying it, having a clear plan for your assets ensures your wishes are respected and pr

Tuesday, September 24, 2024

As you approach retirement, it’s essential to start thinking about how your tax situation will change and what you can do now to minimize taxes in the future. Implementing tax-efficient strategies before you retire can have a significant...

Thursday, September 12, 2024

As September rolls around, and the fall starts to settle in, it’s an ideal time for retirees to review their financial situation and consider tax strategies that can help maximize their retirement income. Careful planning now can lead to si

Monday, August 26, 2024

In our previous blog, we discussed the importance of understanding cyber threats and how they can impact your financial security. Now, we’ll focus on practical steps you can take to enhance your online security.

Wednesday, July 31, 2024

In today’s digital age, cyber security is more important than ever, especially when it comes to protecting your financial information. For individuals aged 40 and above, understanding the potential cyber threats and how to safeguard your as

Wednesday, March 27, 2024

If you dream of your financial legacy leaving a lasting impact on the world, there's a way you can make a difference. You can use your Required Minimum Distribution (RMD) to make charitable donations, a strategy that could benefit both you

Friday, March 8, 2024

Retirement is a significant transition, and it can bring both challenges and opportunities for women who have spent many years focused on their careers. For women approaching retirement age, it is crucial to consider various tips and..

Monday, February 5, 2024

Social Security is a critical component of the retirement financial strategy for many Americans, so before you begin taking it, you should consider three important questions. The answers may affect whether you make the most of this...

Thursday, January 18, 2024

Someone once told me that you only need three things to be happy: 1.) Something to do 2.) Something to look....

Sunday, December 3, 2023

The Internal Revenue Service recently released updated income tax brackets, standard deduction, and retirement contribution limits for the 2024 tax year. While these taxes are not due for some time, it may benefit...

Thursday, November 16, 2023

The Social Security Administration has announced a 3.2% Cost of Living Adjustment (COLA) for 2024....

Tuesday, October 10, 2023

If you're a fan of Warren Buffett, you'll recognize this quote: "Be fearful when others are greedy and greedy when others are fearful." In recent weeks...

Thursday, September 28, 2023

It’s football season. School is back in session, the days are getting shorter, and the weather is starting to turn...

Wednesday, August 9, 2023

Time is an interesting dimension. It is a fixed measurement, yet our perception of time varies greatly depending on what we are doing. It has been said...

Monday, July 31, 2023

We all want desirable outcomes. Those outcomes bring us happiness, peace & prosperity...