Fourth Dimension Financial Group, LLC

09/02/2026

If you’ve worked with me for any length of time, you’ve probably heard me talk about life on our micro farm in Perrysburg.

When I’m not in the office, you can usually find me at home with Carie, our daughters, and a collection of birds that have developed some pretty distinct personalities (around 100 personalities to be exact)

There’s Bruce, our French Toulouse goose and self-appointed Chairman of the Board. Jacques takes his morning responsibilities very seriously. Harry has earned the title Director of Style. And then there’s Lenny.

Lenny is a duck. He enjoys puddles.

If it were up to me, these birds would live elsewhere. But with a loving wife and six daughters, not a whole lot IS up to me. So here we are, living among many fowl friends.

If you’d like to learn a little more about me, my family, and how I approach financial planning, you can find my full bio here:

https://fourthdimensionfinancial.com/about/adam-cufr/

-Adam

08/25/2026

There are two types of “just in case” money worth thinking about in retirement.

An emergency fund is money you hope you don’t have to spend.
A new roof. A major car repair. An unexpected medical bill. It’s there to keep an unpleasant surprise from disrupting the rest of your financial plan.

But what about an opportunity fund?

That’s money you’ve intentionally set aside because something good might come along.

Maybe the whole family decides to take a trip together. Your dream car unexpectedly becomes available. You want to help a grandchild with their first home. Or friends invite you on a once-in-a-lifetime vacation and you’d really like to say yes.

We spend a lot of time preparing retirees for what could go wrong. And we should.

But a good retirement plan should also leave room for what could go right.

Having money specifically earmarked for opportunities can make it easier to say yes without wondering, “Can we really afford to do this?”

Your retirement savings shouldn’t only protect you from emergencies. Some of it should give you permission to enjoy the opportunities you worked all those years to have.

08/21/2026

“My kids will help if I need it.”

I read an interesting article this week about Millennials saying they don't want to become caregivers for their aging parents.
But here's the interesting part: many of them already are.

The article points to roughly 38 million Americans providing unpaid eldercare, with caregivers averaging more than 20 hours per week.

It got me thinking about a question we probably don't ask often enough when planning for retirement:

Is your long-term care plan actually a plan, or is it your kids?

Most parents I talk with don't want their children spending 20+ hours a week coordinating appointments, managing medications, providing transportation, handling finances, or figuring out where Mom or Dad should live.

But without a plan, that's often how it happens.

Long-term care planning isn't only about protecting your retirement assets. It's also about deciding ahead of time what you want, how you might pay for it, and how much responsibility you want to fall on the people you love.

That's one of the reasons I've become increasingly passionate about helping families have these conversations before there's a crisis.

Interesting read from VICE if this is something you've been thinking about:

As Boomers enter their 80s, millennials are venting about eldercare while many are already providing unpaid support.

08/17/2026

A few weeks ago, I shared that I was looking for a handful of “test pilots” to help me work through our new 7-Step Care Blueprint.
Since then, I’ve started going through the process with several current clients.

And I keep hearing some version of the same thing:

“I need this.”

Not necessarily because long-term care is right around the corner, but because they’ve realized how many questions they’ve never really thought through:

Who would help make decisions?
Where would you want to receive care?
What would it cost?
What does insurance actually cover?
How would it impact your spouse or family?

And most importantly, do the people you love know what you want?

That’s exactly why we’re building this.

The 7-Step Care Blueprint is designed to help you think through those questions before you’re forced to answer them in the middle of a crisis.

So, I’m throwing the ask out there again.

If you’ve been reading these posts and thinking, “I need this too,” I’m still looking for a few more people to go through the process and give me honest feedback.

Comment below or send me a message and I’d be happy to sit down with you to run you through the blueprint.

– Adam

Call now to connect with business.

08/10/2026

Last week, I asked the question: Can you OVER save in retirement?

It reminded me of a related question I wrote about in one of my Suburban Press columns:

Does retirement planning sometimes feel like a game of Limbo?
“How little can we live on in order to finally retire?”

Fear of running out of money can keep that bar moving lower and lower. Spend less. Wait longer. Be more careful.

But a good retirement plan should help you stand back up.

When you understand what you’ll need for essential expenses, what you want for discretionary spending, and what you should set aside for the unexpected, retirement becomes less about simply spending as little as possible.

The goal is to understand your numbers well enough to make decisions with confidence.

Because retirement shouldn’t be a decades-long game of “How low can you go?”

-Adam

Do you remember the Limbo, that old game that required you to bend backward to dance under an impossibly low bar, only for the bar to go even lower the next time? This was good fun with a young …

08/07/2026

Can you actually oversave in retirement?

Dave and I see an interesting dynamic with couples all the time: one person is the spender, and one person is the saver.

And sometimes, the saver has a really hard time turning that off in retirement.

You spend 30 or 40 years building the habit of saving, watching your accounts grow, and being careful with money. Then retirement comes and suddenly you’re supposed to start spending it.

That can feel uncomfortable.

That’s one reason I’m such a believer in having a written retirement plan. It can give you the confidence to know what you can spend without constantly wondering, “Are we going to be okay?”

There are times when we actually tell clients, “We think you should spend a little more.”

Sometimes our role is simply giving people permission to enjoy the money they worked so hard to save.

I’ve seen some really good savers wait until RMDs kick in before they finally start taking money out.

Saving well matters. But at some point, the goal is to enjoy what you saved for.

Dave and I talk more about that balance in this video.

08/03/2026

Mondays feel a bit different in retirement.
�Nobody is waiting on you.

No calendar reminders. No one is asking where you've been. No race to beat traffic.

And yet, after a while, most retirees build a routine anyway.

Morning coffee at the same time. A walk around the neighborhood. The gym. Volunteering. Time with the grandkids.

Turns out, freedom isn't about having no structure. �It's about finally getting to choose the structure that fits your life.

-Adam

Call now to connect with business.

07/29/2026

Time is the only asset we all spend at exactly the same rate.

Every day, your bank account can go up or down.
Your investments can grow or shrink.
Your home can gain or lose value.
But every one of us gets the same 24 hours.

That's why retirement planning isn't just about making sure you have enough money. It's about making sure you have enough time to spend the way you want.

Time with grandchildren.

Time to travel.

Time to volunteer.

Time to finally learn the hobby you've always said you'd get to "someday."

Time to simply enjoy a slow morning with a cup of coffee and nowhere you have to be.

Money can create opportunities, but it's really buying back your time.

The question isn't just, "Can I afford to retire?"

It's also, "What do I want my time to look like when I get there?"

The best retirement plans don't just prepare your finances. They prepare you for the life you've worked so hard to build.

07/23/2026

Retirement isn't just about having enough money to stop working.

It's about having something meaningful to wake up for.

One of our clients recently shared a retirement project that perfectly captures what we mean by that.

Through Sassy Reblooms, they collect flowers from weddings, funerals, and corporate events that would otherwise be thrown away. Those flowers are transformed into small bouquets and shared with people who could use a reminder that someone is thinking of them.

Recently, they brought donated wedding flowers to Elizabeth Scott Community, where residents spent the day creating bouquets for their neighbors and decorating dining tables throughout the community. The smiles that came from flowers getting a second life were just as meaningful as the flowers themselves.

We often talk about retirement as having the freedom to choose how you'll spend your time. Sometimes that means traveling. Sometimes it means spending more time with family. And sometimes it means creating something that brings joy to complete strangers.

This is a beautiful reminder that retirement isn't just the end of a career. It can be the beginning of some of your most meaningful work.

Also, they’re always looking for flower donations so please spread the word so they can spread the flowers and the love! You can follow and connect with them on Facebook HERE. Sassy Reblooms

What's something you've always wanted to do if time and money weren't standing in the way?

-Adam

07/21/2026

Most people don't dream about moving into assisted living someday.

In fact, survey after survey shows that most adults want to age in the home they already love.

The question isn't just if you want to age in place. It's whether your home will be ready when the time comes.

Simple updates like eliminating trip hazards, improving lighting, adding grab bars, or planning for a first-floor bedroom can make a big difference in maintaining your independence for years to come.

Retirement planning isn't only about your investments. It's also about creating a life and a home that supports the future you want.

Is aging in place part of your retirement plan? We found this article helpful for this topic:

Safety concerns, caregiving needs, and, of course, finances all come into play when considering aging-in-place at home