SF Financial Blog

We help individuals and families pursue their ideal retirements.

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5 Critical Questions That Could Make or Break Your Retirement

By Barb | July 14, 2025

One unexpected health bill. A sudden drop in income. A tax surprise you didn’t see coming. These are the kinds of moments that can quietly…

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5 Financial Tasks Retirees Should Check Off This Summer

By Barb | July 7, 2025

Summer slows things down—just enough to notice when something in your financial life isn’t working quite right. Maybe your retirement savings took a hit last…

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Is Your Retirement Really Free? A 4th of July Wake-Up Call

By Barb | July 1, 2025

Every year on the 4th of July, we celebrate freedom with fireworks, parades, and patriotic songs. It’s loud, colorful, and full of energy—a perfect symbol…

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Smiling elderly couple sitting together, reviewing documents in a bright living room.

How to Create a Retirement Income Plan You Can Count On

By Barb | June 30, 2025

You’ve been putting money away for decades. Your 401(k) statement shows a respectable number. Social Security sends you those annual estimates. But lately, you’re lying…

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Three Simple Steps That Keep Your Family Out of Legal Limbo

By Barb | June 23, 2025

You know that uneasy feeling when you wonder what would happen if something happened to you? That quiet worry in the back of your mind—what…

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A smiling elderly couple sits on a sofa, engaged in a warm conversation with a younger woman who is sitting across from them, possibly a caregiver or advisor. The setting appears to be a cozy, home-like environment.

How Rising Interest Rates Affect Your Retirement Money

By Barb | June 16, 2025

You’ve probably noticed it at the bank. That CD rate that was practically zero for years? It’s finally offering something decent. Your savings account might…

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Elderly couple sitting together indoors, smiling and looking at a photo album. The man, wearing glasses and a blue checkered shirt, points at a picture while the woman, in a white top, looks on warmly. Bookshelves and a large window with a garden view are in the background.

Your Retirement Plan Needs a Reality Check Before July

By Barb | June 9, 2025

You checked your 401(k) balance in January and felt pretty good. But now it’s almost July — and things feel different. Maybe that spring trip…

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Stop Overpaying in Retirement

By Barb | June 2, 2025

You’ve Spent a Lifetime Earning—Now Use Senior Discounts to Keep More Retirement should be the time when your money works for you—not the other way…

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A pair of hands gently cupping a red heart behind a cutout silhouette of a family of four (two adults and two children), symbolizing health insurance, family protection, or healthcare support.

Don’t Retire Your Life Insurance Just Yet

By Barb | May 26, 2025

You’ve done the hard work—built your savings, paid off the mortgage, and prepared for a retirement you’ve earned. But as life shifts into this new…

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Shocked elderly couple looking at a laptop screen, expressing concern and confusion, sitting at home with natural light coming through a window.

3 Mistakes Retirees Make with Social Security and How to Avoid Them

By Barb | May 19, 2025

“Will my money last as long as I do?” It’s the question that keeps many retirees up at night. And when it comes to stretching…

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Smiling woman holding a happy young boy in her arms while standing in a golden wheat field during sunset.

You’ve Spent Your Life Taking Care of Others—Now It’s Time to Take Care of You

By Barb | May 9, 2025

For decades, you’ve put everyone else first. You were the one who stayed up with sick kids, who managed the house while balancing work, who…

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Elderly couple smiling and embracing under a black umbrella on a sunny day, standing in front of a warm-toned building with greenery on the balcony.

Keep Your Retirement Strong in 2025 Despite Inflation

By Barb | May 5, 2025

You didn’t retire to pinch pennies. But here we are in 2025—groceries cost more, travel is pricier, and even a trip to the pharmacy can…

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