#Rethinking65
At 70, Deborah Jacobs and her husband still spend months a year traveling independently through France and Southeast Asia.

Her advice on making it work as you age is worth a read.

#Retirement #Travel #FinancialPlanning #Rethinking65
How Older Travelers Can Keep Exploring on Their Own Terms
Returning to familiar places, planning for smoother transitions and preparing for health surprises can keep retirees on the road for years.
rethinking65.com
November 6, 2026 at 4:21 PM
40% of investors have already changed their retirement savings ahead of the midterms.

63% of advisors say the right move is to change nothing.

Nationwide Retirement Institute data via Rethinking65.

#RetirementPlanning #FinancialAdvisors #Rethinking65
Many Americans Changing Retirement Savings Ahead of Midterm Elections
Advisors report the election environment is disrupting client planning, according to a Nationwide survey.
rethinking65.com
November 3, 2026 at 3:40 PM
Maximizing Social Security and optimizing it are not the same thing.

The strategy that pays the most over a lifetime is rarely the best one.

Ash Ahluwalia at Rethinking65 explains the difference.

#RetirementPlanning #FinancialAdvisors #Rethinking65
Why Social Security Should Be Optimized, Not Maximized
The recently announced COLA adjustment is a great reason to revisit and discuss Social Security claiming options with clients.
rethinking65.com
November 2, 2026 at 2:38 PM
A couple thought they needed $140K a year in retirement. Their actual number was $118K.

The gap was $22K in gifts to adult children they had stopped thinking of as discretionary.

Mike Casey, CFP® at Rethinking65 on why expenses beat income-replacement rules every time.

#RetirementPlanning
The Most Important Number for Retired Clients
I used to think it was the income-replacement rate or withdrawal rate, but I've changed my mind. Here's why.
rethinking65.com
November 4, 2026 at 6:19 PM
Less than 1 in 5 small business owners has an exit plan.

Yet 70% to 90% of their net worth is locked in the business.

Kimberly Foss at Rethinking65 on the retirement gap advisors need to close.

#RetirementPlanning #FinancialAdvisors #Rethinking65
‘My Business Is My Retirement’: A Potential Gap in Wealth Planning
Business owners face concentration risk when their wealth and retirement security depend on a single exit. Here’s how advisors can help.
rethinking65.com
November 2, 2026 at 2:16 PM
“It’s my turn now.” Kathleen Rehl on helping widows move from financial clarity to personal possibility.

rethinking65.com/beyond-the-b...

#WomenAndMoney #FinancialPlanning
October 23, 2026 at 3:26 PM
Allspring Global Investments just launched ETF share classes for three existing mutual funds, one of the first asset managers to offer this structure.

Investors no longer have to choose between a mutual fund and an ETF.

#ETFs #FixedIncome #FinancialAdvisors #Rethinking65
Allspring Launches ETF Share Classes
The asset manager with $606B AUM  is one of the first in the industry to offer this structure to investors.
rethinking65.com
October 22, 2026 at 1:30 PM
77% of job seekers used AI in their search. 60% rewrote applications to avoid sounding like AI. 81% were rejected without ever speaking to a human.

The application used to be a front door. Now it is a dead end.

#AI #CareerPlanning #FinancialAdvisors #Rethinking65
Job seekers Tailor Applications to Avoid Sounding Like AI But Use It in Their Search
A new survey by Greehouse shows most candidates are open to an AI interview, but they want employers to be upfront about their own use of AI.
rethinking65.com
October 22, 2026 at 1:13 PM
Most advisors respond to a difficult client with more logic. More data. A clearer explanation.

It almost never works.

Beverly Flaxington writes for @Rethinking65 on what is actually behind difficult client behavior and how to defuse it.

#PracticeManagement #ClientRelationships #FinancialAdvisors
Every Difficult Client Is Wearing a Sign That Says ‘Fear’
Spot behavioral-style clashes, stop answering emotion with logic, and use a six-step process to get back on the same side of the table.
rethinking65.com
October 21, 2026 at 5:02 PM
John and Linda Mellowes donated $50 million to the Medical College of Wisconsin for genomic medicine research. The largest philanthropic gift in MCW’s history.

Rethinking65 has the full story. #Philanthropy #Longevity #FinancialAdvisors #Rethinking65
Former CEO of Charter Manufacturing Donates $50M to Genomic Medicine Research
The gift by John A. and Linda T. Mellowes advances the precision medicine program at the Medical College of Wisconsin.
rethinking65.com
October 20, 2026 at 12:11 PM
A retirement income plan is not a snapshot. It is a living document.

Paula L. Green reports for Rethinking65 on how Edward Mahaffy of ClientFirst Wealth builds adaptive income plans that update as spending, taxes and household cash flows change.
#RetirementPlanning #RetirementIncome
From Retirement Snapshot to Living Income Plan
Replacing static retirement projections with ongoing monitoring of spending, taxes, portfolio risk and changing household cash flows is key.
rethinking65.com
October 19, 2026 at 2:20 PM
The first question in retirement income planning is not what to buy. It is how much income the client actually needs, from which sources, and for how long.

Scott Bishop, CFP writes for Rethinking65 on why chasing yield without a plan is the wrong starting point.

#RetirementPlanning
Retirement Income Isn’t a Yield-Chasing Game
Neglecting to lead with a plan and consider a client’s “hurdle rate” is likely to make the client stumble and assume more risk than necessary.
rethinking65.com
October 16, 2026 at 2:23 PM
RMDs in the early seventies can run upward of $300,000 for high earners. Most have no idea it is coming.

Ed Prince reports for Rethinking65 on three advisors defusing the retirement tax bomb three different ways: municipal bonds, Roth conversions and private investments.

#RetirementPlanning #RMD
Three Ways Advisors Are Defusing the RMD Bomb
From municipal bonds to private investments, advisors use diverse strategies to generate retirement income and manage clients’ tax exposure.
rethinking65.com
October 15, 2026 at 12:53 PM
The average retiree spends only about half of what their savings could safely sustain, per Blanchett and Finke.

Not a financial problem. A behavioral one.

Frederick Saide writes for @Rethinking65 on the underspending trap.

#RetirementPlanning #BehavioralFinance #FinancialAdvisors #Rethinking65
The Underspending Trap
Your best-prepared clients may need permission to spend. This is not a financial problem.
rethinking65.com
October 14, 2026 at 5:33 PM
Tariff revenue as a share of GDP rose over 300% since 2018. The Supreme Court struck down many of those tariffs in February 2026.

The Tax Foundation says replace them with a 1% VAT. $130.1 billion in projected revenue gains through 2036.

#TaxPolicy #Tariffs #FinancialAdvisors #Rethinking65
Repealing Tariffs and Imposing a Value-Added Tax Would Boost the Economy and Federal Revenues: Tax Foundation
A VAT would end the economically distortive effects of tariffs and benefit all income levels, Senior Economist Erica York writes.
rethinking65.com
October 9, 2026 at 4:24 PM
Dolly Parton had her trusts in place. Prince had nothing. A six-year court battle reduced his estate by tens of millions.

Every client already has an estate plan. If they have no documents, the state has one for them.

Josh Dunn writes for Rethinking65. #EstatePlanning
Estate Planning Basics: Removing the ‘Scary’ for Our Clients
By reframing the discussion, we can shift clients’ focus away from their mortality and toward protecting what they value most.
rethinking65.com
October 8, 2026 at 2:07 PM
The fiduciary debate has a villain. George Kinder says we have identified the wrong one.

“The fiduciary movement in financial services has been too small for too long. It’s time for us to go big.”

Jerilyn Klein interviews Kinder for Rethinking65. #Fiduciary #FinancialPlanning #NAPFA
George Kinder: The Fiduciary Debate Has the Wrong Villain
The father of life planning says the real question isn't salespeople versus advisors. It's why banks, insurers and fund companies aren't fiduciary in all things.
rethinking65.com
October 7, 2026 at 6:56 PM
73% of Americans prefer in-home care. 54% have not planned financially for it.

The annual cost of a home health aide could exceed $500,000 by 2058, per Northwestern Mutual.

Rethinking65 has the full breakdown. #LongTermCare #RetirementPlanning #FinancialAdvisors #Rethinking65
Most Boomers Want to Age at Home, But Families Aren't Ready for the Cost of Care
Many caregivers cut spending, tap savings, work longer hours or take on debt to deal with the financial strain, a Northwestern Mutual study shows.
rethinking65.com
October 6, 2026 at 4:04 PM
Medicare open enrollment starts today. Drug premiums are rising. Humana is exiting plans affecting 600,000 members. UnitedHealthcare is dropping 13% of its plans.

Joanne Giardini-Russell writes for Rethinking65 on what advisors need to tell clients before December 7.

#Medicare #MedicareAdvantage
What Medicare Beneficiaries Can Expect This Enrollment Season
Prepare clients for where they may need to shell out more Medicare dollars, what to do if their plan disappears and important dates.
rethinking65.com
October 6, 2026 at 3:48 PM
An advisor today manages 100 households. Summit Financial CEO Stan Gregor thinks AI could make that 500.

"AI is not going to replace the advisor. But who it will replace is the advisor who is not using AI."

Mike Byrnes reports for @Rethinking65. #AI #PracticeManagement #FinancialAdvisors
Advisors Responsible for 500 Households?  AI’s Potential to Transform Scale!
The CEO of Summit Financial, an RIA with $30 billion in AUM, discusses how his firm  uses AI — and who he thinks AI could replace.
rethinking65.com
October 5, 2026 at 2:21 PM
72% of employers are paying more for AI skills. 42% pay more for AI expertise than any other technical skill.

Robert Half's 2027 Salary Guide via Rethinking65 on what is driving compensation in 2027.

#AI #CareerPlanning #FinancialAdvisors #Rethinking65
AI Skills Command Top Dollar for New Hires, New Study Reveals
Most employers are going over budget to attract top talent, according to the Robert Half 2027 Salary Guide
rethinking65.com
October 2, 2026 at 2:41 PM
$13 billion yearly. 69% losing time from work. 25% reconsidering leadership.

The U.S. Senate just held its first-ever hearing on menopause. Eleanor O'Sullivan writes for Rethinking65: "Those are financial planning issues."
#WomenInFinance #MenopauseAwareness #RetirementPlanning #FinancialAdvisors
Should Menopause Be Part of Client Conversations?
Sen. Gillibrand recently convened the first congressional hearing on menopause — a $13+ billion burden and career disruptor for many women.
rethinking65.com
October 1, 2026 at 1:30 PM
Medicare open enrollment begins October 15. But the costliest IRMAA mistakes happen in the tax decisions clients are making right now.

Exceed the first threshold by $1 and a married couple pays nearly $1,949 more per year.

Frederick Saide writes for Rethinking65. #Medicare #IRMAA
IRMAA Cliffs: Where $1 of Income Costs Thousands
The clients teetering near the edge of the cliffs are often facing life transitions. Here’s how to steady them and other retirees, too.
rethinking65.com
September 30, 2026 at 8:06 PM
Before a potential client calls your office, they will look you up. What they find or do not find becomes part of the decision.

Bridget Willard writes for @Rethinking65 on why X still matters for advisors building a personal brand and how to do it in 5 minutes a day.
Why Twitter/X Still Matters for Advisors Building a Personal Brand
Financial advisors are in a trust business. That means they need to build relationships. The perfect place to do that is on Twitter/X.
rethinking65.com
September 30, 2026 at 8:46 PM
One in six Parkinson's patients suffer complications during a hospital stay. The biggest expense families face is rarely medication. It is the cost of maintaining independence.

Eleanor O'Sullivan reports for Rethinking65 on what advisors and families need to know.

#Parkinsons #LongTermCare
Parkinson’s: Efforts Underway for Better Patient Outcomes
Two doctors at a newly named comprehensive care center for Parkinson’s explain what patients and families need.
rethinking65.com
September 28, 2026 at 5:05 PM