Is Your Retirement Plan Built for the Younger Spouse?

What changes when one spouse may spend decades longer in retirement than the other? Patrick Keenan explores the unique challenges facing couples with an age gap, from Social Security and healthcare to investment strategy and inflation. He discusses planning for a longer retirement horizon, creating…

Will Your Money Last as Long as You Do?

What happens when your retirement lasts longer than you ever expected? Patrick Keenan explores the financial challenges that can accompany a long retirement, including sequence-of-returns risk, inflation, taxes, healthcare costs, and the possibility of outliving your savings. He discusses why retir…

Should Market Headlines Change Your Retirement Plan?

Are scary market headlines putting your retirement decisions on edge? Patrick Keenan discusses why reacting to predictions, volatility, and fear can create challenges for retirees and those approaching retirement. He explores the role of market exposure, cash and insurance products, and explains ho…

Why So Many Retire Earlier Than Planned

More than half of retirees say they left the workforce earlier than planned. Patrick Keenan explores why unexpected retirement happens so often, from health challenges and family caregiving responsibilities to market downturns and life’s sudden curveballs. Using real client stories and personal exp…

Are You Saving So Much That You’re Missing Retirement?

What if the biggest retirement mistake isn’t spending too much, but spending too little? Patrick Keenan explores why many retirees become so focused on preserving wealth that they miss opportunities to enjoy it. From inflation fears and market uncertainty to longevity concerns and emotional decisio…

What If Your Retirement Paycheck Got Cut in Half?

What happens when a market downturn cuts your retirement savings in half just as you start relying on it for income? Patrick Keenan explains why market volatility feels different in retirement and how emotional reactions can derail long-term plans. Using a simple "Payday bar" analogy, he breaks dow…