Our Thoughts

Healthcare in Retirement

August 13, 2025

Retirement planning is not just about income and investments. It is also about protecting yourself from health-related expenses that could derail your plan. In my last post, I covered the...

Insurance Planning for Retirement

August 6, 2025

Retirement isn’t the end of your insurance needs. The needs simply shift. While you’re working, insurance protects your income. It steps in if you become disabled or die before reaching...

When & How to Claim Social Security

July 30, 2025

You’ve built a plan, started investing in the right accounts, and chosen a mix of low-cost, globally diversified investments. Now it’s time to talk about one of the most important...

Tom’s 2025 Q2 Economic Update

July 18, 2025

Please Note: This article contains several acronyms and technical terms. Please refer to the glossary at the end for definitions, or contact a member of our team for further clarification....

What Should I Actually Invest In?

July 9, 2025

Continuing our series on retirement planning, we’ve already covered why retirement planning should begin with a vision – not just a number. Once you’ve clarified your goals and lifestyle in...

Where Should I Be Saving? A Guide to Retirement Account Types

June 26, 2025

So far in our retirement planning series, we’ve covered how to create a vision for your retirement and put numbers to that vision. You now have a target that’s meaningful and...

What Will Your Retirement Actually Cost?

June 19, 2025

My last post centered around starting retirement planning with a vision, not a number. It’s tempting to jump straight into the math. But before you figure out how much you...

Retirement Isn’t a Number. It’s a Vision.

June 11, 2025

Most people start planning for retirement by asking, “How much do I need?”That’s a fair question. But if you’re like the thoughtful, intentional clients I work with at Together Planning...

Tax Implications of the One Big Beautiful Bill Act

May 29, 2025

During President Trump’s first term, the Tax Cuts and Jobs Act (TCJA) of 2017 made several major changes to tax laws. To limit the projected effect on the deficit at...