Senior Resources

Turning savings into steady retirement income requires more than strong investment returns. A comprehensive retirement planning strategy focuses on income reliability, coordinated Social Security and pension decisions, disciplined spending habits, and protection against sequence of returns risk and market volatility. By matching essential expenses with guaranteed income and using portfolio withdrawals for discretionary spending, retirees can create a sustainable “retirement paycheck.” Maintaining a backup plan, such as a dedicated cash reserve, adds flexibility during downturns and helps preserve long-term financial security. Working with an experienced financial advisor can increase financial confidence, protect quality of life, and ensure assets support a stable income throughout retirement.

The Retirement Red Zone is the critical 10-year window surrounding retirement—five years before and five years after your paycheck stops—when the most important financial decisions of your life are made. During this period, Social Security timing, portfolio withdrawal strategy, tax planning, healthcare costs, and estate coordination all intersect, and mistakes become far more difficult to correct. For high-income professionals and retirees in Hampton Roads, thoughtful planning in this phase can mean the difference between simply retiring and retiring with confidence, clarity, and long-term financial security.

Reverse mortgages are often misunderstood, but today they are well-regulated tools that can provide flexibility and improve financial security in retirement. For Hampton Roads homeowners age 62 and older, a reverse mortgage can unlock home equity to improve cash flow, support healthcare needs, or reduce investment risks during market downturns. When used strategically, it can be a powerful complement to an overall wealth accumulation plan.

Explore the history, structure, and future of Social Security in this insightful blog. From its origins during the Great Depression to its evolution into a vital financial safety net for retirees, disabled individuals, and survivors, this blog unpacks how the program works, how it’s funded, and the challenges it faces. Learn about key milestones, benefit qualifications, and potential reforms needed to sustain Social Security for future generations. Whether you’re planning for retirement or just curious about the system, this blog will help you understand Social Security.

Hosted by Kevin J. Zywna, CFP® Dollars & Common Sense · Important Ages in Financial Planning Allison Dubreuil, Wealthway Financial Advisors:    Good evening. Tonight we are going to talk about birthdays. Actually, it's really going to be more about...

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Hosted by Kevin J. Zywna, CFP® and Allison K. Dubreuil, CFP® Dollars & Common Sense · Retirement Planning Missteps Retirement Planning - Deferring Taxes Allison Dubreuil, Wealthway Financial: So we do want to talk about retirement planning - might not be quite...

Hosted by Kevin J. Zywna, CFP® and Allison K. Dubreuil, CFP® Dollars & Common Sense · Social Security Questions Ins & Outs of Social Security Allison Dubreuil, Wealthway Financial:  Tonight, we want to talk about one of my favorite topics, which is Social...