by Daniel Cieniewicz, CFP® | Aug 20, 2026 | Blog, Retirement Planning
Let’s say you’re sitting where a lot of our clients sit: about five years out from retirement, watching your accounts, and wondering if you’re actually ready. Nobody knows exactly what the next five years will bring. We didn’t know five... 
by Daniel Cieniewicz, CFP® | Aug 13, 2026 | Blog, Retirement Planning, Tax Planning
Imagine losing money at the casino and still owing tax on it. That seems unfair, but starting in 2026, it’s the reality for a lot of gamblers, including many retirees who enjoy the occasional casino trip or bingo night. Let’s walk through how gambling... 
by Daniel Cieniewicz, CFP® | Aug 6, 2026 | Blog, Planning for your Spouse, Retirement Planning
If you’ve saved a million dollars or more and you’re approaching retirement, you’ve probably asked yourself this question: do I actually need a financial planner? I’m a financial planner, and you’d probably expect me to say yes. But I... 
by Daniel Cieniewicz, CFP® | Jul 29, 2026 | Blog, Investing, Planning for your Spouse, Retirement Planning, Social Security, Uncategorized
Retirement is supposed to be the reward for decades of disciplined saving, careful planning, and hard work. But some of the biggest mistakes retirees make aren’t made by irresponsible people or people who didn’t plan. They’re made by responsible,... 
by Daniel Cieniewicz, CFP® | Jul 23, 2026 | Blog, Retirement Planning
One of the most consequential decisions a retiree can face is whether to take a pension as a lump sum or as monthly payments over a lifetime. And one of the things that drives me a little crazy as a financial planner is how often people make this decision based on... 
by Daniel Cieniewicz, CFP® | Jul 16, 2026 | Blog, Retirement Planning, Tax Planning
If you’re retired or approaching retirement, you might assume that taxes are about to get simpler. No more W-2. No more paycheck withholdings to worry about. Just a nice, easy retirement without the tax headaches of your working years. I hate to break it to you,...
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