RETIREMENT EDUCATION BLOG

What History Reveals About Retirement Risk

Throughout American history, one thing has stayed consistent: Change. Markets rise and fall.Tax laws evolve.People live longer than ever before. Yet many retirement plans are built around a single assumption—that the future will look roughly like the present. In our guide, What 250 Years of America Has Taught Us About Retirement Planning, we explore: •… View Article

Do You Know Your Retirement Number?

For retirees, it’s often much easier to worry about how to grow their wealth than to feel confident in the wealth they’ve spent a career building. Will it be enough to support the lifestyle you’ve dreamed of? Will it be able to cover unexpected medical or life-change expenses? Knowing your “retirement number” can help you… View Article

America Turns 250 – Has Retirement Planning Changed?

In 1776, the average life expectancy was under 40. Retirement as we know it didn’t exist. Fast forward 250 years, and retirement can last 30 years or longer—through market shifts, tax changes, inflation, and evolving family needs. As America celebrates its 250th anniversary, it’s a good time to ask a simple question: Is the way… View Article

When to HOLD – Understanding Long-Term Investment Strategies

One of the most important decisions an investor can make is whether to hold onto an investment or sell it. Market Guard® understands that confident investing requires a long-term view and that holding onto investments is often an important component of achieving financial goals. We work closely with our clients to understand their investment strategies… View Article

Shifting from Saving to Utilizing Retirement Income

One of the most important transitions in retirement planning is moving from accumulation to distribution. While saving focuses on building assets, retirement requires thoughtful decisions about income, timing, and sustainability. It can seem counterintuitive. You’ve worked hard and planned carefully to keep your wealth on the rise—so it can be a shock when you begin… View Article

Preparing Your Retirement Plan for Life and Market Changes

Even the best retirement plans need room to adapt. Markets shift, personal priorities evolve, and unexpected changes can affect how your plan performs over time. Preparing for change doesn’t mean predicting the future—it means building flexibility into your strategy. Regular reviews and adjustments help ensure your plan remains aligned with your needs as circumstances change…. View Article

Why Retirement Plans Work Best When They’re Built Around You

A retirement plan is most effective when it reflects your personal goals—not just generic benchmarks or rules of thumb. Hitting a certain number on your accounts may seem like an end goal, but knowing how to manage that number is important to making the most out of what you’ve envisioned for yourself. Building a strategy… View Article

Starting Early Can Help Set the Right Foundation for Retirement

When it comes to retirement planning, time is one of the most powerful advantages you can have. Getting an early start allows your financial decisions to compound, adjust, and mature alongside your life, rather than rushing to make high‑stakes choices later. Early planning creates space to explore options thoughtfully. It allows you to build habits,… View Article