SF Financial Blog

We help individuals and families pursue their ideal retirements.

Did 2025 Help or Hurt Your Retirement Plan?

By Barb | December 15, 2025

The year is almost over, and you’re looking at your retirement accounts one last time. Some months felt calm. Others brought surprise expenses that threw…

How to Save Money During the Holidays Without Missing the Fun

By Barb | December 8, 2025

You know that feeling in early January when you open your credit card statement and wonder what happened? The holidays felt modest enough while they…

The Truth Behind That 2.8% Social Security Boost

By Barb | December 1, 2025

Why the 2026 COLA may not go as far as you think — and how to plan ahead As 2025 winds down, many retirees are…

7 Thanksgiving Spending Traps Retirees Should Avoid

By Barb | November 24, 2025

Thanksgiving is all about gratitude, gathering, and good food—but it’s also the quiet kickoff to a season when spending can slip out of sync with…

9 Smart Money Moves to Make Before the Holidays

By Barb | November 17, 2025

As the days get shorter and calendars fill up with holiday plans, it’s easy to push financial tasks aside — especially when they don’t feel…

Is Semi Retirement Right for You? Pros, Cons, and How to Begin

By Barb | November 10, 2025

Your alarm goes off at 6 AM. Again. You drag yourself up, thinking: do I really want to do this for another ten years? But…

The 3 Biggest Retirement Questions You’ve Been Afraid to Ask

By Barb | November 3, 2025

You know that feeling at 2 a.m. when your mind won’t shut off? When you’re staring at the ceiling, running through the same worries on…

Don’t Let These Financial Frights Haunt Your Retirement

By Barb | October 27, 2025

Halloween might bring out ghosts, goblins, and pumpkins on porches, but for many retirees, the real chills don’t come from spooky movies — they come…

Five RMD Mistakes That Cost Retirees Thousands

By Barb | October 20, 2025

December 30th. You’re wrapping up holiday plans when you remember—did you take your required minimum distribution this year? For retirees who’ve been managing RMDs for…

What Is Revenge Saving — and Why Are So Many Retirees Doing It Now?

By Barb | October 13, 2025

After a turbulent few years of inflation, market swings, healthcare price hikes, and economic uncertainty, a quiet shift is taking place among retirees and those…

The $800 Medicare Mistake to Avoid This Fall

By Barb | October 6, 2025

“I didn’t realize my plan changed until I got the bill…” That’s what Susan, a 73-year-old retiree living in Rockrimmon, told us last year. Her…

Understanding Medicare Advantage vs Medicare Supplement Plans

By Barb | September 29, 2025

Many retirees feel relief when Medicare starts — then quickly realize there are still gaps. For instance, Medicare requires you to pay part of hospital…

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