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® | Jun 11, 2026 | Blog, Retirement Planning, Social Security, Tax Planning
If you’re a retiree thinking about selling some appreciated stock, real estate, or other long-held investments, you’ve probably heard the conventional wisdom: long-term capital gains are taxed at favorable rates. These rates are either 0%, 15%, or 20%... 
by Daniel Cieniewicz, CFP® | May 15, 2026 | Blog, Social Security, Tax Planning
Once you’re no longer working and earning a paycheck, your retirement income gets a lot more complicated. You’re collecting from different sources: Social Security, IRA distributions, maybe Roth assets, taxable brokerage accounts, a pension. Each of these... 
by Daniel Cieniewicz, CFP® | Apr 28, 2026 | Blog, Social Security
There may be no person more well known on the late night scene the Johnny Carson. The King of Late Night was known for his many characters, his sharp wit, and even popularizing the game Twister. Johnny Carson was also married four times. His first marriage lasted... 
by Daniel Cieniewicz, CFP® | Apr 22, 2026 | Blog, Retirement Planning, Social Security, Tax Planning
The April 15th tax deadline has come and gone. If you filed on time, your 2025 taxes are officially in the rearview mirror. But now that we’re well into 2026, it’s time to think ahead and make sure you don’t face any unwelcome surprises when you file... 
by Daniel Cieniewicz, CFP® | Feb 27, 2026 | Blog, Retirement Planning, Social Security
I do enjoy following potential legislative changes in Washington, specifically for retirees. Perhaps it’s a bit nerdy, but when it comes to Social Security, changes matter. Even ones that may seem mundane. It’s no secret that we’re nearing a trust...
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