Education Blog
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To Give and Receive
December 4, 2025
It is December, and with all the holiday decorations out at the stores and Christmas music on the radio, we are now in the holiday gift-giving season. Over the next several weeks, many gifts will be given and received. However, the problem with this is each year many gifts are given, received, and forgotten about soon after, with no real meaning or lifetime value for either the giver or the recipient. This is truly a shame.
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Big Decisions to Make
November 27, 2025
“Hello Brian. My husband and I have saved a good amount of money for retirement. Most of it is in our pre-taxed IRAs and 401(k) retirement plans. We are concerned about tax increases in the future, so we are considering doing a Roth conversion this year. However, we are not sure we should do this. Can you provide some factors we should consider to help us in making our decision before the end-of-the-year deadline comes to make this move? Thanks so much.” Karen
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Understanding the Causes Behind the Recent Market Pullback
November 25, 2025
Read MoreOver the past several weeks, both the crypto market and major stock indexes have experienced notable declines. To many long-term investors and retirees, it may appear unusual that two very different markets would move lower at the same time. But in today’s financial environment, technology, liquidity, and investor behavior have created connections that did not exist a decade ago.
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November 2025 Question of the Month
November 20, 2025
“Hi, T. Brian Hayes. I have been listening to your show for a while and have learned a lot. I am 64 years old and will be retiring next August (2026). At that time, I will need to turn on my Social Security benefits. I have heard about the Social Security earnings test where you can only make about $23,000 before they start taking back your benefits. So, will I lose my Social Security benefits next year since I will make more than $23,000 before I retire? Please advise. Thank you.” Kate
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Time is Running Out
November 13, 2025
Can you believe we are in mid November already! This of course means there are only a few weeks left in the year. Obviously it is one of the busiest times of the year and people everywhere will be scrambling trying to get things done. You probably do not need anything else added to your plate right now, but unfortunately the clock is also ticking on a few retirement planning moves that you have to and/or may need to make before time expires at the end of the year.
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Stock Splits: Separating Excitement from Real Value
November 11, 2025
Read MoreAfter several high-profile companies like Netflix and Chipotle announced major stock splits this year, many investors have started asking what a stock split really means. Does it signal growth ahead, or is it simply a psychological adjustment that creates temporary excitement?
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