“Y’all Street” Is Open: What the Texas Stock Exchange Means for Your Money
On Friday, the Texas Stock Exchange started trading in Dallas. A financial planner in the area explains what TXSE actually is, why $275 million of institutional money is behind it, and whether it changes anything for a retiree with a diversified portfolio.
The Retirement Risk No One Plans For
Most disciplined savers don't run out of money in retirement - they run out of time. The same instincts that built the nest egg can quietly stop you from ever enjoying it. Here's the retirement risk no one builds a plan around.
Turning 65 in Dallas: The Complete Financial Checklist for DFW Pre-Retirees
Miss the Medicare window and you pay a penalty for life. Trip an IRMAA cliff by $1 and you owe thousands. Forget the over-65 property tax exemption and you leave money on the table. Here's what to do, in the order it matters, the year you turn 65 in Dallas.
The International Travel Gap in Your Retirement Plan
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Medicare provides virtually zero coverage outside the United States. If you travel internationally in retirement, here's what you need to know about the gap in your plan and what it costs to close it.
Trump Account Calculator: How Much Could Your Child’s Roth Be Worth?
How much could a Trump Account grow if you started funding it at birth? Our interactive calculator models contributions, tax-deferred growth, and Roth conversion to show what your child's account could be worth by retirement.
Everything You Need to Know About Gifting Money (and Why 99% of People Will Never Owe Gift Tax)
Gift tax is one of the most misunderstood parts of the tax code. With an annual exclusion and a massive lifetime exemption, the vast majority of people will never owe a dime. Here's what you actually need to know - including when you need to file Form 709 and smart ways to avoid it.
Understanding your RTX 401(k) plan
Whether you’re a new hire or you’ve been with RTX for decades, you may have questions about your 401(k). This benefit is a critical element in your retirement planning and it’s essential to understand the nuances of the plan.
Annuities: The Good, The Bad, and The Ugly
Annuities are neither miracle products nor financial disasters. They're tools - great for some situations and awful for others. Learn the truth about annuities and how they can affect your retirement plan.
Is $2 Million Enough to Retire in Texas?
Is $2 million enough to retire in Texas? For most retirees, the answer is yes - but only with the right income strategy. We break down the real numbers, including Social Security, taxes, and sustainable withdrawal rates.
Forget the 4% Rule: How Guardrails Can Help You Spend More in Retirement
Forget the 4% rule - a dynamic “guardrails” strategy can help you safely spend more in retirement. Learn how flexible income planning leads to higher lifetime spending and greater peace of mind.
The Benefits of Professional Investment Management
We've had prospective clients ask us, "Why can't you just tell us what to invest in and we manage the portfolio?" It's a fair question, and the answer comes down to this: we've found that delegated management enables us to do our best work and it consistently delivers better outcomes. Here's why:
Trump Account Gift Tax Rules: What You Need to Know Before July
The Trump Account lets families contribute up to $5,000 per year to a child's retirement account — but crossing certain thresholds could trigger gift tax reporting. Here's what you need to know before the July 5 launch.
Reader Question: “I lost money on bonds. Should I sell?”
So, you lost money on bonds. The first question to ask yourself is – “Why did I decide that bonds belong in my portfolio in the first place?”
Are I Bonds A Good Investment? (October 2022)
Unless you’ve been living under a rock for the last year, you’ve probably heard of I bonds.
What are they? Are I Bonds a good investment? Should you invest in I Bonds now, or are you late to the party?
Should You Pay Off Debt Or Invest?
You’ve got extra cash! Maybe it’s from a raise, a bonus, or cutting expenses. Now, you want to improve your financial fitness but aren’t sure whether you should aggressively pay down debt or invest it.
Understanding your RTX 401(k) plan
Whether you’re a new hire or you’ve been with RTX for decades, you may have questions about your 401(k). This benefit is a critical element in your retirement planning and it’s essential to understand the nuances of the plan.
How Much Does Health Insurance Cost for Early Retirees?
Early retirement is a great goal, but many overlook one important…
Lockheed Martin 401(k) Match: How It Works in 2026
Lockheed matches 6% of pay plus 50% on up to 8% of employee contributions. Here's how the match, vesting schedule, 2026 limits, and the Mega Backdoor Roth actually work.
Here Are The Top 3 Raytheon Benefits You May Be Missing
Medical, dental, and vision insurance are standard. So is a 401(k) retirement plan. But there are several other Raytheon benefits that many employees aren’t fully utilizing or aren’t even aware of!
The Retirement Risk No One Plans For
Most disciplined savers don't run out of money in retirement - they run out of time. The same instincts that built the nest egg can quietly stop you from ever enjoying it. Here's the retirement risk no one builds a plan around.
Turning 65 in Dallas: The Complete Financial Checklist for DFW Pre-Retirees
Miss the Medicare window and you pay a penalty for life. Trip an IRMAA cliff by $1 and you owe thousands. Forget the over-65 property tax exemption and you leave money on the table. Here's what to do, in the order it matters, the year you turn 65 in Dallas.
The International Travel Gap in Your Retirement Plan
Medicare provides virtually zero coverage outside the United States. If you travel internationally in retirement, here's what you need to know about the gap in your plan and what it costs to close it.
Trump Account Calculator: How Much Could Your Child’s Roth Be Worth?
How much could a Trump Account grow if you started funding it at birth? Our interactive calculator models contributions, tax-deferred growth, and Roth conversion to show what your child's account could be worth by retirement.
Everything You Need to Know About Gifting Money (and Why 99% of People Will Never Owe Gift Tax)
Gift tax is one of the most misunderstood parts of the tax code. With an annual exclusion and a massive lifetime exemption, the vast majority of people will never owe a dime. Here's what you actually need to know - including when you need to file Form 709 and smart ways to avoid it.
Understanding your RTX 401(k) plan
Whether you’re a new hire or you’ve been with RTX for decades, you may have questions about your 401(k). This benefit is a critical element in your retirement planning and it’s essential to understand the nuances of the plan.
Annuities: The Good, The Bad, and The Ugly
Annuities are neither miracle products nor financial disasters. They're tools - great for some situations and awful for others. Learn the truth about annuities and how they can affect your retirement plan.
Is $2 Million Enough to Retire in Texas?
Is $2 million enough to retire in Texas? For most retirees, the answer is yes - but only with the right income strategy. We break down the real numbers, including Social Security, taxes, and sustainable withdrawal rates.
Forget the 4% Rule: How Guardrails Can Help You Spend More in Retirement
Forget the 4% rule - a dynamic “guardrails” strategy can help you safely spend more in retirement. Learn how flexible income planning leads to higher lifetime spending and greater peace of mind.
The Benefits of Professional Investment Management
We've had prospective clients ask us, "Why can't you just tell us what to invest in and we manage the portfolio?" It's a fair question, and the answer comes down to this: we've found that delegated management enables us to do our best work and it consistently delivers better outcomes. Here's why:
Trump Account Gift Tax Rules: What You Need to Know Before July
The Trump Account lets families contribute up to $5,000 per year to a child's retirement account — but crossing certain thresholds could trigger gift tax reporting. Here's what you need to know before the July 5 launch.
Why We Charge Flat Fees
One question people often ask about 7 Saturdays Financial is: “Why did you decide to build a flat-fee firm?” When I founded the company...
“Y’all Street” Is Open: What the Texas Stock Exchange Means for Your Money
On Friday, the Texas Stock Exchange started trading in Dallas. A financial planner in the area explains what TXSE actually is, why $275 million of institutional money is behind it, and whether it changes anything for a retiree with a diversified portfolio.
Annuities: The Good, The Bad, and The Ugly
Annuities are neither miracle products nor financial disasters. They're tools - great for some situations and awful for others. Learn the truth about annuities and how they can affect your retirement plan.
Is $2 Million Enough to Retire in Texas?
Is $2 million enough to retire in Texas? For most retirees, the answer is yes - but only with the right income strategy. We break down the real numbers, including Social Security, taxes, and sustainable withdrawal rates.
The Benefits of Professional Investment Management
We've had prospective clients ask us, "Why can't you just tell us what to invest in and we manage the portfolio?" It's a fair question, and the answer comes down to this: we've found that delegated management enables us to do our best work and it consistently delivers better outcomes. Here's why:
Why We Charge Flat Fees
One question people often ask about 7 Saturdays Financial is: “Why did you decide to build a flat-fee firm?” When I founded the company...
Questions To Ask A Financial Advisor
These questions are designed to help you see “behind the curtain” of our firm and others you might consider hiring.
The Advisor Series Part 2: Conflicts of Interest and Other Issues
First - what is a conflict of interest? Investopedia describes it as “A situation in which an entity or individual becomes unreliable because of a clash between personal (or self-serving) interests and professional duties or responsibilities.”
The Advisor Series Part 1: Fee-based, Flat-fee, Fee-only… What the F?
How are you supposed to figure out who to trust with your life savings?
My goal is to shine a light behind the curtain and arm you with information.
This set of articles, “The Advisor Series”, will help you understand the basics of pricing models, typical services provided, issues like conflicts of interest, and questions you should ask when deciding to work with a financial advisor/planner.
“Y’all Street” Is Open: What the Texas Stock Exchange Means for Your Money
On Friday, the Texas Stock Exchange started trading in Dallas. A financial planner in the area explains what TXSE actually is, why $275 million of institutional money is behind it, and whether it changes anything for a retiree with a diversified portfolio.
Is $2 Million Enough to Retire in Texas?
Is $2 million enough to retire in Texas? For most retirees, the answer is yes - but only with the right income strategy. We break down the real numbers, including Social Security, taxes, and sustainable withdrawal rates.
Forget the 4% Rule: How Guardrails Can Help You Spend More in Retirement
Forget the 4% rule - a dynamic “guardrails” strategy can help you safely spend more in retirement. Learn how flexible income planning leads to higher lifetime spending and greater peace of mind.
The Benefits of Professional Investment Management
We've had prospective clients ask us, "Why can't you just tell us what to invest in and we manage the portfolio?" It's a fair question, and the answer comes down to this: we've found that delegated management enables us to do our best work and it consistently delivers better outcomes. Here's why:
How to Access Retirement Funds Early: 4 Possible Ways
If you retire early, you need a solid personal finance plan to…
Reader Question: “I lost money on bonds. Should I sell?”
So, you lost money on bonds. The first question to ask yourself is – “Why did I decide that bonds belong in my portfolio in the first place?”
Should You Pay Off Debt Or Invest?
You’ve got extra cash! Maybe it’s from a raise, a bonus, or cutting expenses. Now, you want to improve your financial fitness but aren’t sure whether you should aggressively pay down debt or invest it.
Are I Bonds A Good Investment? (October 2022)
Unless you’ve been living under a rock for the last year, you’ve probably heard of I bonds.
What are they? Are I Bonds a good investment? Should you invest in I Bonds now, or are you late to the party?
Dividends: Why You Shouldn’t Care About Them
Although dividend investing is popular among investors, that focus can be misguided. It should be considered more of a “feel good” strategy than a good strategy. In this post, I'll explain why dividends are irrelevant.
Reader Question: “I lost money on bonds. Should I sell?”
So, you lost money on bonds. The first question to ask yourself is – “Why did I decide that bonds belong in my portfolio in the first place?”
“Y’all Street” Is Open: What the Texas Stock Exchange Means for Your Money
On Friday, the Texas Stock Exchange started trading in Dallas. A financial planner in the area explains what TXSE actually is, why $275 million of institutional money is behind it, and whether it changes anything for a retiree with a diversified portfolio.
Dividends: Why You Shouldn’t Care About Them
Although dividend investing is popular among investors, that focus can be misguided. It should be considered more of a “feel good” strategy than a good strategy. In this post, I'll explain why dividends are irrelevant.