JP Financial Group

09/02/2026

HER RETIREMENT COLUMN | SEPTEMBER

Are You Within 5 Years of Retirement?

For years, retirement may have felt far away.

Then suddenly you’re 55, 60, 63—and the questions change.

Do I have enough?

When should I take Social Security?

What should I do with my 401(k) when I retire?

How will I replace my paycheck?

What will healthcare actually cost me?

Here’s something I want women to understand:

The five years before retirement can be some of the most important financial years of your life.

This is when retirement stops being just about accumulating money and starts becoming about turning what you’ve accumulated into a plan.

Before you retire, I believe you should be able to answer:

✓ Where will my monthly retirement income come from?

✓ Which accounts will I use first?

✓ How could taxes affect my income?

✓ When does Social Security make sense for me?

✓ What happens to my plan during a major market decline?

✓ What happens financially if my spouse dies first?

You don’t need to know everything about retirement.

But you should understand your retirement.

Joyce’s Question of the Month:

If retirement were five years away, what is the ONE question you’d want answered today?

Put it in the comments. Your question may become the topic of next month’s column.

— Joyce Palmer
JP Financial Group
Helping Create Financial Legacies for Ladies

09/01/2026

If you haven’t heard Joyce’s story, this is a great place to start. 💗

Behind JP Financial Group is a journey filled with purpose, perseverance, and a desire to help people feel more confident about their financial future.

In this recent Founder Story, Joyce shares a little about the road that brought her here—and the “why” behind the work she does today.

🎥 Take a few minutes to hear Joyce’s story.

Watch Joyce’s Founder Story on YouTube

Financial planning is never just about money. It is about life, f...

08/31/2026

As you get closer to retirement, you may start to wonder what you should be doing with the assets you’ve saved up. Do you leave them where they are, or try out different financial vehicles? Let’s take a look at some options in this week’s blog.

As you get closer to retirement, you may start to wonder what you should be doing with the assets you’ve saved up. You’ve probably accumulated a significant sum for retirement, but how do you put that sum

08/28/2026

🌸 HAPPY FRIDAY! BEFORE YOU HEAD INTO THE WEEKEND… KEEP AN EAR ON THE FED.

Today, Federal Reserve Chair Kevin Warsh speaks at the annual Jackson Hole Economic Symposium — and if you’re 5–10 years from retirement or already retired, this isn’t just Wall Street news.

Here are 4 things I’ll be listening for:

🔹 INTEREST RATES
Does the Fed sound like rates may stay higher for longer — or could a change be coming? Interest rates can affect CDs, bonds, mortgages and retirement-income decisions.

🔹 INFLATION
Is inflation moving in the right direction? For retirees, inflation isn’t an abstract number. It shows up at the grocery store, in insurance premiums, healthcare costs and everyday spending.

🔹 THE ECONOMY
Is the Fed seeing continued economic strength or signs of slowing? That matters when you’re deciding how much risk you want to carry as retirement gets closer.

🔹 WHAT THIS COULD MEAN FOR YOUR RETIREMENT INCOME
Markets may react to a Fed speech quickly. Your retirement plan shouldn’t.

The bigger question is:

If interest rates stay higher, inflation remains stubborn, or markets become more volatile — is your retirement income strategy prepared for it?

That’s the conversation pre-retirees and retirees should be having.

☕ Enjoy your coffee. Enjoy your Friday. And remember: don’t make a retirement decision based on one headline or one day in the market. Make it based on a plan.

— Joyce Palmer
JP Financial Group
Helping Create Financial Legacies for Ladies 💗

08/25/2026

Toss aside those crusty old finance books (though some are tried and true and worth the read!). Let’s check out some newer books to add to your TBR list!

Toss aside those crusty old finance books (though some are tried and true and worth the read!). Let’s check out some newer books to add to your TBR list! Planet Money: A Guide to the Economic Forces That Shape Your Life

08/22/2026

08/18/2026

WHAT HAPPENS WHEN THE PAYCHECK STOPS… BUT THE BILLS KEEP GOING UP?

Lately, so many conversations about the economy come back to one word: affordability.

Groceries cost more. Insurance costs more. Healthcare costs more. Everyday living simply feels more expensive.

For women approaching retirement, there is another side of the affordability conversation that deserves attention:

What happens when you leave the workforce and that dependable paycheck stops?

At JP Financial Group, we believe retirement planning is not simply about building the largest account balance.

It is about asking a practical question:

“How much income can I depend on each month for as long as I need it?”

We call that creating a Retirement Paycheck.

Before leaving the workforce, we believe every woman should understand:

• What it truly costs to live each month
• How much predictable income is already in place
• Whether there is a gap between the two

Because even a well-funded retirement can leave you wondering:

“Can I spend this money confidently without worrying about running out?”

That is a very different question from, “How much have I saved?”

If you are approaching retirement and are not completely clear about what your paycheck will look like after your employer stops paying you, maybe the next step is not buying anything or moving your money.

Maybe it is simply getting the numbers on paper.

We have created a conversation around exactly that.

No pressure. No chasing. Just clarity.

To learn more, comment PAYCHECK below or send us a private message with the word PAYCHECK.

We will share the information, and you can decide whether a conversation makes sense from there.

— JP Financial Group
Helping Create Financial Legacies for Ladies

08/17/2026

Market volatility is a natural part of the financial ecosystem, but its impact varies depending on your specific stage of life. Gen X-ers and Baby Boomers are going to approach shifting markets with different investment management strategies. Let’s take a look at both.

Market volatility is a natural part of the financial ecosystem, but its impact varies depending on your specific stage of life. For members of Gen X who are currently in their peak earning years

08/16/2026

🎙️ NEW EPISODE JUST DROPPED!

Uncomfortable Conversations for Women is where we talk about what women are thinking—but not always saying out loud.

Money. Family. Retirement. Life. The conversations that matter.

Join Joyce Palmer & Fran Marie for real talk, real strategies, and real results.

🎧 Listen now on Apple Podcasts, Spotify, YouTube, Amazon Music, iHeartRadio & Pandora.

💬 What conversation do you need to have before life forces you to have it?

08/10/2026

Planning for retirement requires many considerations, but perhaps none is as subtle or pervasive as the influence of inflation. Let’s take a look at how inflation can affect your retirement plan in this week’s blog.

Planning for retirement requires many considerations, but perhaps none is as subtle or pervasive as the influence of inflation. While market volatility often captures the headlines, the gradual rise in the cost of goods and services acts as a constant force that can erode