Joseph Byker - Financial Advisor

07/26/2026

Medical care costs are an important part of retirement planning. Even with Medicare, out-of-pocket expenses can add up over time.

As people age, healthcare needs often become more frequent and less predictable, which can create ongoing financial pressure. Planning for these costs can help you feel more prepared for the years ahead.

Let’s talk about how healthcare expenses fit into your overall retirement strategy.

07/25/2026

Health risks don’t stop at retirement, and planning for them is an important part of preparing for the future.

More than three-quarters of adults live with at least one chronic condition, and the costs associated with care can add up over time, impacting savings and retirement goals.

Let’s talk about how planning ahead for healthcare and long-term needs can help you feel more confident about the road ahead.

Source: LIMRA (2026), The Growing Influence of Health Risks on Retirement Security

07/24/2026

Social Security is an important part of your retirement plan, but when you choose to start claiming benefits can make a meaningful difference over time. While it provides a foundation for income, Social Security may only replace a portion of what you earned before retirement, which is why planning ahead is so important.

In some cases, strategies like working longer or waiting to claim benefits may help increase your monthly income and support a more stable financial future.

Let’s explore your options and consider how these decisions can help you build a retirement strategy that aligns with your long-term goals.

07/23/2026

This is exciting news! You could be our next winner! Accepting entries from 6/22/26 through 10/10/26. Click the link below to enter and for official rules.
https://bit.ly/4x3SWpb

06/04/2026

Great players don’t get there alone. Behind every player on the world stage is someone who believed in them, challenged them, and helped them grow.

The Assist shares the stories behind U.S. Men’s National Team players Tyler Adams, Tim Ream, and Matt Turner — and the coaches and mentors who shaped their journey.

I hope you’ll take a few minutes to watch these stories. And if you’d like to talk about your own goals, I’d be happy to connect.

Watch the series here:
https://bit.ly/4cSyoZx

05/20/2026

In this week's Ask the Editor Q&A, Joy Taylor answers questions on inherited IRAs and the 10-year cleanout rule for non-spousal IRAs inherited after 2019.

04/30/2026

You’ve worked hard to build what you have. If you want clarity, control, and confidence over what happens to it next, reach out to me today.

03/30/2026

Last week I had the immense privilege of attending NY Life's Eagle Strategies Wealth Summit in Phoenix, AZ with top leaders and advisors in the company.

From the location and venue, to the content and interactions, it was the absolute best conference I have ever attended. I'm excited to bring back the learnings to our practice here in West Michigan to drive even greater impact for our clients and those who trust us.

03/24/2026

Looking for a little more certainty with your money?
Check out this guaranteed interest rate. Contact me today to learn more!

03/13/2026

This article highlights why the work I do continues to be so important. 401(k) plans and other employer retirement plans are a great start, but they definitely are not the end all be all. For many, it's the only savings strategy they have, but this article makes it very clear that a BALANCED financial plan is far more important. If you are confused by any of these topics or want to learn more, let's connect to help you see the bigger picture. It's why I LOVE what I do!

Retirement account balances in the US are rising at double-digit rates for some savers as financial insecurity for others drives hardship withdrawals.