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® | Mar 26, 2026 | Blog, Planning for your Spouse, Retirement Planning, Tax Planning
Whether we are set to receive or pass our assets, life’s two inevitabilities are today’s focus. Death and taxes, while not the most cheerful of topics, are worth talking about. There are 4 areas worth covering today, as we want to make sure you (or your... 
by Daniel Cieniewicz, CFP® | Mar 13, 2026 | Blog, Planning for your Spouse, Retirement Planning, Tax Planning
Roth Conversions have been the topic of intense debate lately. Some swear by them. Others think they’re the wrong move in nearly every circumstance. But should there really be this much debate over a single financial planning strategy? No. And here’s why:... 
by Daniel Cieniewicz, CFP® | Nov 11, 2025 | Blog, Planning for your Spouse, Retirement Planning, Tax Planning
If you’re planning to retire before age 65, you’ve probably spent considerable time mapping out your financial strategy—optimizing your portfolio withdrawal rate, deciding when to claim Social Security, maybe planning some Roth conversions. But... 
by Daniel Cieniewicz, CFP® | Sep 23, 2025 | Blog, Planning for your Spouse, Retirement Planning
You may be familiar with the late, great Heath Ledger. One of the greatest actors of his generation, he died an early death – and his family and fans had to endure without him. One thing you may not have known is his unfortunate legal proceedings after his...
Recent Comments