by James E. Holland, MSBA, CFP | Sep 22, 2026 | Financial Education, Financial Planning, Medicare, Retirement Planning, Uncategorized
Medicare enrollment deadlines can affect when your coverage begins, which plans you can choose, and whether you face late enrollment penalties. Therefore, understanding the major enrollment periods before you reach age 65 can help you avoid unnecessary gaps or added...
by James E. Holland, MSBA, CFP | Sep 22, 2026 | Financial Planning, Personal Finance, Retirement Planning, Tax Planning, Uncategorized
Required minimum distributions can become an important part of retirement planning once you reach the applicable RMD age. These IRS rules generally require you to begin withdrawing money from certain tax-deferred retirement accounts, even if you do not need the funds...
by James E. Holland, MSBA, CFP | Aug 24, 2026 | Family Finances, Financial Planning, Insurance Strategies, Uncategorized
Life changes, and your life insurance should keep up with it. A policy that fit your needs several years ago may no longer reflect your income, family responsibilities, debts, or long-term financial goals. That is why a life insurance policy review matters. Rather...
by James E. Holland, MSBA, CFP | Aug 24, 2026 | Financial Planning, Insurance Strategies, Retirement Planning, Uncategorized
Most people think of life insurance primarily as a way to protect loved ones after death. However, certain types of life insurance in retirement planning may serve additional purposes. Permanent life insurance can include a cash value component that may provide...
by James E. Holland, MSBA, CFP | Aug 18, 2026 | Financial Education, Financial Planning, Retirement Planning, Uncategorized
Choosing a financial advisor can feel overwhelming. Terms such as fiduciary, fee-only, fee-based, commission-based, financial planner, and wealth advisor describe different services, compensation structures, and responsibilities. Understanding these differences—and...
