Eric R Poole, Financial Planner

History doesn't repeat exactly, but it does tend to reward patience. When markets feel uncertain, it helps to zoom out. In our latest Visual Insights Newsletter, we looked at what happened to $100 invested in 1928 and left alone for nearly a century. The results may surprise you.

What a Century of Investing History Shows A simple lesson about time and discipline.

Many retirees underspend, not because they need to, but because they’re afraid of making the wrong decision at the wrong time. When retirement is framed as one long, steady chapter, the stakes feel high. Spend too much now, and you worry about later. Spend too little, and you wonder what you’re missing. But what if retirement is better understood as three chapters, each with its own pace and priorities. I break this down in my latest note, along with a few questions worth thinking about as you plan your next chapter.

Retirement Spending New research challenges old ideas of retirement.

Early retirement often brings momentum. Mid-retirement brings rhythm. Later years shift toward stability and care. Does your financial plan adjust as life does?

It is Okay to Enjoy Your Money What is the point of retirement?

One of the top retirement fears is running out of money. But what if the bigger risk is holding back too much in the years you’re healthiest and most active?

Retirement Planning Meets Real Life Data shows retirement rarely follows a steady path.

Thinking about when to file for Social Security? The answer depends on more factors than many people realize — income, marriage, health, whether you're still working. This quick guide helps you think through what matters most for your situation.

FREE Guide: Maximize Benefits and Social Security Income Read this quick guide to identify the crucial steps to maximizing your Social Security income