Unobstructed Thoughts

What Is a QCD? If you have investments in tax-deferred retirement accounts, such as traditional IRAs and employer-sponsored retirement plans, you may be required to take annual required minimum distributions (RMDs) once you reach age 73 (or age 75 if born in or after 1960). These RMDs begin as a relatively small percentage of your […]

Retirement is a significant life milestone that can bring a noticeable change to the pace and rhythm of daily life. If you spent years planning for retirement, you may have imagined finally having the freedom to slow down and enjoy life on your own terms. But what many people don’t realize is that this freedom […]

Cybersecurity is often viewed as a technology issue, but today it’s just as much a financial one. As more of our banking, investing, and document sharing happens online, fraud tactics have evolved alongside that shift. Rather than trying to break through security systems, many scams now rely on convincing people to share sensitive information or […]

Parents often focus on providing opportunities and financial security for their children, but one of the most valuable gifts may be helping them develop the skills needed to manage money responsibly. Financial literacy is about more than understanding dollars and cents—it involves learning how to make thoughtful decisions, set priorities and develop habits that support […]

Market environments evolve, headlines change, and new narratives emerge—but investor behavior tends to be far more consistent. Across cycles, many of the same patterns show up again and again, often with meaningful consequences for long-term outcomes. Rather than trying to predict what markets will do next, investors may be better served by focusing on what […]

5 Strategies for the Sandwich Generation Are you feeling pulled in multiple directions, especially between supporting your children and caring for aging parents? If so, you’re not alone. Many adults today are part of what’s commonly known as the “Sandwich Generation” — individuals balancing the emotional, financial and caregiving responsibilities of both older and younger […]