Clearwater Financial Group - Michael Masor Host of Safe Money Radio Houston

07/17/2026

A lot has changed over the past 250 years—but maybe one of the biggest shifts is how retirement works. What used to rely on pensions and guaranteed income now depends heavily on personal decisions, timing, and strategy. If you haven't taken a step back to review your plan recently, this might be worth a few minutes of your time.

This guide might help.

07/10/2026

Did you know? The first U.S. pension dates back to 1776—and it looked nothing like a modern 401(k). Over the last 250 years, retirement has quietly shifted from predictable income… to something individuals must build and manage themselves. We put together a short guide on what's changed—and what it may mean for your plan.

Read what we've learned in 250 years of retirement in America.

04/16/2026

Roth conversions warrant careful consideration. I continue to believe an optimal strategy exists for Roth conversions.

https://youtu.be/jHyShcYCxtc

04/02/2026