Richard W. Paul & Associates, LLC

Richard W. Paul & Associates, LLC A Registered Investment Advisory Firm specializing in Retirement Planning. Based in Novi, MI. Richard W. Midwest Financial Consultants and Richard W.

Paul, a leading retirement planning professional and radio personality, has been educating Oakland County and the Greater Detroit Michigan area residents on progressive personal finance and retirement planning strategies for more than 25 years. As founder and president of Midwest Financial Consultants and Richard W. Paul & Associates, LLC, a registered investment advisory firm, Mr. Paul works to p

rovide comprehensive financial planning strategies to pre-retirees and retired individuals, helping them achieve total wealth optimization and a reliable income source in retirement. A firm believer in achieving success through a personalized strategy, Mr. Paul acts as each client's financial coach and works to optimize their current financial situation by managing and minimizing financial risks and tax liabilities, and positioning accounts for continued growth, regardless of market volatility. Rich can be heard on WJR and is the author of "The Baby Boomer's Retirement Survival Guide". Paul & Associates, LLC, a Registered Investment Advisory firm, serve clients in retirement planning and wealth management needs. Paul & Associates offers investment advisory services for their client accounts including retirees, high net worth individuals, estate planning, and financial consultation. Not only do they provide their clients with an investment program based on Nobel Prize winning economics using a broadly diversified asset allocation approach, but they also work with each and every client to develop an individualized wealth optimization strategy that balances their return objectives with their tolerance for investment risk. Paul & Associates, LLC. and Midwest Financial Consultants provide premium asset planning and management. Whether you are retired, on the verge, or just planning for the future, let Mr. Paul and his advisors invest your money correctly and professionally. Paul and Associates, LLC is a Registered Investment Advisory Firm. Midwest Financial Consultants, Inc. is not a Registered Investment Advisory Firm. Investment Advisory Services Offered Through Richard W. The aforementioned are affiliated firms. This page and other subsequent pages provided by Richard W. Paul & Associates may provide links to third party websites and material that may not endorsed or recommended by Richard W. Paul & Associates or Midwest Financial Consultants, Inc.

09/02/2026
Have you ever heard of the bucket strategy? With this approach, you segment your retirement expenses into three buckets,...
09/01/2026

Have you ever heard of the bucket strategy? With this approach, you segment your retirement expenses into three buckets, attempting to match income sources to essential expenses.

Early estimates for the 2027 Social Security cost-of-living adjustment have moved lower as inflation moderates.New proje...
08/31/2026

Early estimates for the 2027 Social Security cost-of-living adjustment have moved lower as inflation moderates.

New projections suggest the 2027 COLA may fall between 3.4% and 3.6%.

The official adjustment has not been announced yet. The final number will depend on inflation data for July, August, and September.

Social Security COLAs are calculated using the Consumer Price Index for Urban Wage Earners and Clerical Workers, known as CPI-W.

July data showed CPI-W rose 3.4% over the past 12 months. The broader consumer price index also rose 3.4% year over year.

One estimate from AARP suggests a 3.5% COLA would raise the average retired worker’s benefit by about $73 per month.

For retirees and near-retirees, the COLA is an important reminder that inflation can affect income, purchasing power, household expenses, and long-term financial decisions.


Source:

New estimates show just how much Social Security benefits may increase in 2027, based on new government inflation data.

08/27/2026

Get an inside look at how the team is navigating a volatile year in markets while still focusing on retirement-focused outcomes. Matt is joined by special guest Bepin Serraj, CFA, for a mid-year look at how different strategies are performing and where adjustments are being made. The bigger takeaway is that staying diversified and disciplined still matters, especially when leadership in the market keeps shifting.

Here’s what we discuss in this episode:
📈 Equity Strength: Diversification is paying off
🌍 Global Markets: International areas gain ground
📉 Bond Struggles: Fixed income remains challenged
🧠 Active Management: Selectivity matters in bonds
💻 Software Rebound: Recent weakness creates opportunity
🏥 Healthcare Exposure: AI may support innovation
🔄 Rebalancing: Trim winners when needed

🎯 Not sure where you stand with your retirement plan? Schedule your Complete Planning Review: rwpaul.com/complete-planning-review

Not all inflation numbers measure the same thing. From CPI to PCE, each index tracks different spending patterns—and non...
08/27/2026

Not all inflation numbers measure the same thing. From CPI to PCE, each index tracks different spending patterns—and none of them may reflect yours.

Different inflation indexes may tell different stories. Here's what that could mean for you.

Whether you are already retired or just starting to prepare, take a look at your home. Is rightsizing the right decision...
08/20/2026

Whether you are already retired or just starting to prepare, take a look at your home. Is rightsizing the right decision?

What does your home really cost?

Healthcare in retirement can cost more than expected. Our article covers three often-overlooked expenses.
08/18/2026

Healthcare in retirement can cost more than expected. Our article covers three often-overlooked expenses.

An article on three healthcare costs that often catch retirees off guard.

For decades, the focus was on accumulating. Saving, building, preparing. Retirement flips that dynamic.Suddenly, the goa...
08/17/2026

For decades, the focus was on accumulating. Saving, building, preparing. Retirement flips that dynamic.

Suddenly, the goal is to draw on what you’ve built, coordinate multiple income sources, and balance today’s spending with what’s ahead. Life expectancy data suggests many retirees may spend 20 or more years in this next chapter.

That’s not a footnote. It’s the whole story.

The early years of retirement are worth being intentional about. The routines you establish, the way you approach your time and your finances, tend to set the tone for what follows.

That’s something worth talking about.

Source
OECD Life Expectancy at Age 65, 2026

Address

39555 Orchard Hill Place, St. 100
Novi, MI
48375

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Website

Alerts

Be the first to know and let us send you an email when Richard W. Paul & Associates, LLC posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Richard W. Paul & Associates, LLC:

Shortcuts

Share

Category