📊 For decades, bonds have been the go-to investment for managing risk. But is that still true in today's market? 📈 With inflation remaining elevated and interest rates potentially moving higher, many investors are asking whether the traditional 60/40 portfolio is enough. In this interview, Peter Richon with Richon Planning and Erin Kennedy discuss: ✅ Why bonds may not provide the same stability they once did 📉 What 2022 taught investors about diversification 🛡️ How fixed indexed annuities, structured notes, and buffered ETFs may fit into a risk management strategy 🤔 The questions to ask before making changes to your portfolio Every investor's goals and risk tolerance are different, which is why it's important to understand all of your options before making investment decisions. To learn more about how to balance growth, income, and protection in today's market, give Peter a call at 919-300-5886 or visit www.RichonPlanning.com

Six years may sound like plenty of time, but the choices you make today can have a major impact on your retirement lifestyle tomorrow. 🌴💰 In this video, Peter with Richon Planning and Erin Kennedy cover 6 important steps to take before you retire, including: 🏖️ Test-drive your dream retirement destination before you commit. 🏡 Complete home repairs and renovations while you're still earning. 🤝 Start volunteering now to build purpose and community beyond your career. 🏥 Prepare for rising healthcare costs—even with Medicare. 📈 Develop a smart Social Security claiming strategy to help maximize your lifetime benefits. 👨‍💼 Work with a financial advisor to create a personalized retirement income plan. A little planning today can help you retire with greater confidence tomorrow. ✅ If you'd like to start checking these important items off your retirement checklist, give Peter a call at 919-300-5886 or visit www.RichonPlanning.com

A new study from the Center for Retirement Research at Boston College found that nearly 1 in 5 married couples aren't coordinating their retirement savings, and it could be costing them about $760 every year. 😳

So how does this happen… even when both spouses are contributing?

In this interview, Peter Richon with Richon Planning and Erin Kennedy break down: ✔️ What it really means to coordinate retirement savings as a couple ✔️ How employer matches can slip through the cracks ✔️ Smart strategies when one spouse has better benefits ✔️ The key conversations every couple should be having

📊 Bottom line: Retirement planning isn't just personal... it's a team sport. To ensure you're not leaving money on the table, give Peter a call at 919-300-5886 or visit www.401kdistributions.com

What worked for your retirement plan years ago… might not be the best fit today. And making the wrong move could cost you. ⚠️ In this interview, Peter Richon with Richon Planning and Erin Kennedy break down: ✔️ The difference between surrendering vs. replacing an annuity ✔️ When it actually makes sense to consider a change ✔️ Common (and costly) mistakes to avoid ✔️ Tips to make the process smooth and efficient ✔️ Where to start if you're feeling unsure 💡 The key? Don't make a move without understanding the full picture. If you'd like to talk through whether surrendering or replacing an annuity makes sense, or if you'd like a second opinion, please give Peter a call at 919-300-5886 or visit www.TopAnnuityIncome.com

When it comes to Medicare, most people focus on coverage… but not enough attention is paid to what you'll actually pay. As Peter with Richon Planning explains to Erin Kennedy, if you're considered a "high-income beneficiary" by the Social Security Administration, you could be hit with an extra charge called IRMAA (Income-Related Monthly Adjustment Amount)… and it can significantly increase your Medicare Part B premiums. Here's what you need to know 👇 ✔️ How high is "high-income"? Even a modest increase in income can push you into a higher bracket. ✔️ It's a cliff, not a slope Go just $1 over the threshold, and you could pay hundreds more per year in premiums. ✔️ One-time events can trigger it Selling a home, taking an RMD, Roth conversions, or realizing large capital gains can unexpectedly spike your income. ✔️ Planning is everything Strategies like Roth conversions, Health Savings Accounts (HSAs), and Qualified Charitable Distributions (QCDs) can help reduce or even avoid IRMAA. The bottom line: Without careful planning, you could end up paying more for Medicare than necessary. 📞 Want to make sure IRMAA doesn't catch you off guard? Call Peter at (919) 300-5886 or visit www.RichonPlanning.com to put a plan together that could save you thousands in health insurance.