Michael J. Seibert RICP, CLU, CHFC, CAP

03/16/2026

In today's Slott Report, our Director of Education, Sarah Brenner, JD, gives 5 reasons to roll over your retirement funds to an .

Find out more here: https://bit.ly/4sMPvki

12/31/2025

📝 Did you know a beneficiary form can outweigh your will? A five‑minute check could prevent years of confusion for your loved ones. Read our latest article to see why these forms matter more than you might think.

When was the last time you checked who’s listed on your beneficiary forms? For many, the answer is “years ago”—or maybe “never.” Yet beneficiary forms often carry more weight than even the most carefully written will. Why? Because they directly decide where your assets go when the time c...

12/29/2025

The best time to plan for long-term care is before you need it. Early action means more options, potentially stronger protection, and reduced stress for tomorrow. Ready to learn what’s possible? Book your complimentary meeting today.

Planning for long-term care isn’t just about preparing for the unexpected—it’s about helping protect your financial security and helping avoid a burden for your family with difficult decisions down the road. By starting early, you may often access lower costs, help reduce future stress, and po...

12/26/2025

What should you put per paycheck into your 401(k)? We break down 2025 limits, catch-ups for 50+ and 60–63, and simple contribution habits. Tap to read more!

Two coworkers are both saving for retirement. One puts in a little from every paycheck and gets the full company match all year. The other makes a big push early, then stops—and misses match dollars later. Which path feels closer to yours? Starting in 2025, you can put up to $23,500 from your payc...

12/24/2025

College can turn money chats into guesswork. If you’ve ever wondered how to set expectations without micromanaging, this article lays out a simple way to talk about costs, choices, and check-ins that actually stick. Give it a read—and if you’d like the one-page Money Syllabus I mention, I’m happy to share or walk through it together.

College is the first time many young adults make—and manage—more financial decisions in a year than they have in their entire lives. Tuition, housing, books, travel, food, clubs, tech, and social life all converge on a calendar that moves faster than a checking account. So how do you talk about ...

12/22/2025

A longer life means a longer career?🤔 Would it work here in the U.S.? 💭 Join the conversation below ⬇️

Raising the retirement age is a policy many countries consider as people live longer and spend more years in good health. Denmark recently set its retirement age at 70, linking it to life expectancy to help keep pension systems sustainable. The United States currently has a full retirement age of 67...

12/19/2025

Did you know that $1 in 1960 is worth about $10.91 today? Inflation is the silent factor that can shrink your retirement income over time. 📉 That’s why many retirees explore inflation-adjusted annuities—they’re designed to grow with rising costs so you can help protect your lifestyle in the years ahead. Curious how this could work for you? Let’s chat. 💬

One of the greatest fears for retirees is not outliving their assets—it’s outliving their ability to maintain a comfortable standard of living. Traditional annuities can provide steady, guaranteed payments, but they are often fixed, which means that over time, the effects of inflation erode what...

12/17/2025

Your future self will appreciate the steps you take today. Working with a financial professional can help you plan smarter, navigate challenges, and stay on track toward a comfortable retirement.

Working with a financial professional can make a meaningful difference in your long-term financial well-being. Research shows that individuals who partner with a financial professional may have more opportunities to grow and preserve their wealth, often ending up with significantly more resources in...

12/15/2025

Revenge savings is the shift from impulse buys to intentional cash-building—keeping your options open when life gets noisy. People are asking practical questions: what am I optimizing for, and which choice will still feel right six months from now? That’s the idea—fewer impulse buys, more intentional saving.

The big post‑pandemic spending wave has eased. A quieter shift is here: revenge savings—choosing to keep more cash because it feels smart and steady. One quick stat: the U.S. personal saving rate was 4.5% in June 2025 (1). If a stronger cash cushion is the new status symbol, what does that say a...

12/12/2025

Who will help you thrive at 85? 🌱 From smart-home sensors to tax-savvy long-term-care strategies, living assistance is becoming a must-plan chapter of retirement, not a footnote. Ready to see how it fits into your own roadmap? Let’s talk.

Did you know someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their remaining years. Yet only a fraction of retirees have a clear plan for where that help will come from or how it will be funded. What happens when longevity outpaces...

12/10/2025

By 2035, healthcare bills could climb 70%+, assisted-living costs may top $8K/mo, and everyday essentials will be 20% more expensive. Start planning today to protect your tomorrow. 💡🏦

By the mid-2030s, Americans turning 65 will face a perfect storm of rising costs: per-person healthcare spending is on track to climb by more than 70%, driven by annual growth rates that far outpace wage gains; assisted-living fees—now averaging nearly $6,000 a month—could surpass $8,000 by 2035...