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 9, 2026 | Blog, Investing, Retirement Planning, Tax Planning
One of the things you don’t want to see as a financial planner is people in their 70s and 80s looking back and saying they wish they had done things in their 60s, but now they can’t. Whether that’s because of energy, health, or time, it’s the... 
by Daniel Cieniewicz, CFP® | May 7, 2026 | Blog, Investing, Retirement Planning
They say age is just a number. When it comes to how conservative or aggressive you should be inside your investments, I fully agree! This may be because many retirees believe their age should dictate their investment mix. While there may be some truth to this,... 
by Daniel Cieniewicz, CFP® | Jan 31, 2026 | Blog, Investing, Retirement Planning
Silver just shattered $115 per ounce for the first time in history, capping a remarkable run that has investors questioning whether precious metals deserve a larger role in retirement portfolios. But before you rush to add silver to your IRA or taxable account,... 
by Daniel Cieniewicz, CFP® | Dec 2, 2025 | Blog, Investing, Retirement Planning
One of the most important decisions you’ll make in retirement is how much cash to keep on hand. Hold too little, and you risk being forced to sell investments at the worst possible time. Hold too much, and inflation will quietly erode your purchasing power while... 
by Daniel Cieniewicz, CFP® | Nov 25, 2025 | Blog, Investing, Retirement Planning, Tax Planning
Anyone who has filed federal taxes knows that the typical tax year runs from January 1st through December 31st, with returns due around April 15th the following year. While you have those four months after year-end to file your return, many critical tax-saving...
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