When It Rains, It Pours:

Normally, that phrase is about bad things piling up, but as the son of a farmer it’s hard to ever be upset at the thought of rain. I recently saw a stat showing that Kingman had its third wettest summer in recorded history. The rain has been a blessing—my sprinkler system has barely run, and more importantly, it’s helped break our local farmers out of the recent cycle of drought. In many ways, finances work the same way. While I’m a big believer that steady, everyday habits build wealth, how we respond when things go really right or really wrong can be just as important. That might mean having a big enough emergency fund for when life throws you a curveball, or resisting lifestyle creep after receiving a big inheritance. Those are often the moments when reaching out for a little financial guidance can make the biggest difference.

Article of Interest

The Rule of Retirement Inversion

As always, I found another article to make you think a little more deeply about your retirement! This time, we're working on inverted thinking. The author walks you through several examples of how to reverse your thinking about retirement. For example, instead of asking "what should I do in retirement?" maybe the most helpful question is "what should I NOT do in retirement?" Lifestyle, finances, healthcare planning, and legacy planning could all benefit from this inversion.

New Content from Retire to Abundance

Captive vs. Independent: What I Learned From My Time on Each Side

I like pros and cons lists and use them often. Prior to starting QED I worked for over a decade at a captive life insurance company, eventually moving into financial advising for that same company. When I started QED, I knew I wanted to be an independent firm.

Here's the pros and cons I see for the consumer (you) in using a captive vs independent company for financial planning or life insurance (or many other things as well):
→ The agent vs. broker distinction and the fundament shift that goes with it
→ Mastery of products vs greater choice and research
→ Strong levels of company stability vs greater client advocacy
→ What the most important thing is for picking any company you do business with

Recent Media Mentions

I routinely get inquiries from reporters needing expert personal finance opinions. Here's just a few articles I've been quoted in recently. You can check out the rest on my media page.

70% of Gen Xers Say They Can’t Afford To Retire — They’re Right If They Don’t Do These 8 Things

5 Essentials Boomers Need for a Comfortable Solo Retirement

Have More Questions? Get your all your retirement questions answered in person with a 30-minute meeting. No selling. Just simplified clarity. I want a Free Retirement Plan Review

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The Retire to Abundance Newsletter is for education and entertainment purposes only. Nothing should be construed as investment, tax, or legal advice. Links to third party websites may contain content that is not approved by QED Wealth Solutions. QED Wealth Solutions, LLC is a registered investment adviser offering advisory services in the States of Kansas and Texas and in other jurisdictions where exempt from registration.

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