Fourth Dimension Financial Group, LLC

07/13/2026

What if one of the most important factors in aging well isn't found in your investment portfolio... but in your mindset?

A fascinating Yale study followed adults over age 65 for 12 years, tracking both physical health and cognitive function. By the end of the study, nearly half of the participants had actually improved in their walking speed, cognitive abilities, or both.

One of the biggest predictors of who improved?

Their attitude toward aging.

Those who viewed aging more positively were more likely to experience better outcomes over time. Read more here:

A long-term Yale study is challenging one of the biggest myths about aging. Nearly half of adults over 65 improved physically, mentally, or both over time, despite the common belief that aging means constant decline. Researchers found that people with more positive attitudes about getting older were...

07/10/2026

For a long time, retirement was viewed as an on/off switch.
You worked... and then one day you stopped.

Today, more people are asking a different question:

"How do I want to retire?"

For some, that means a hybrid retirement.

Maybe it's phasing into retirement by reducing your hours instead of stopping all at once. Maybe it's taking a sabbatical, doing consulting work, starting a small business, or working only because you enjoy it and not because you HAVE to.

There's a big difference between having to work and choosing to work.

When work becomes a choice, many people find they carry themselves differently. It can provide purpose, connection, and a reason to keep growing while still enjoying the freedom retirement offers.

In this week's video, Dave and I talk about whether a hybrid retirement might be the right fit for you and how to think through the options.

– Adam

07/08/2026

As retirement planners, we talk a lot about retirement.

Go figure.

But do we talk enough about what retirement actually is?

The truth is, retirement is many things. It’s a financial goal, it’s a very aspirational pursuit, AND it’s what you’re going to spend your time doing next Tuesday, Wednesday, and every day thereafter for the rest of your life. Before we get to all of that, however, we need to consider how you’ll spend the first year in retirement.

The transition is where some people find retirement most challenging, so this article may be very helpful if you or someone you know is nearing or in that phase. https://www.forbes.com/sites/andrewrosen/2026/05/07/the-first-year-of-retirement-what-to-expect/

07/03/2026

Happy Fourth of July weekend from all of us at Fourth Dimension Financial Group!

This weekend, we all get to celebrate freedom and independence.

These values are also at the heart of what many people hope retirement will become.

If you're already retired, we hope you're enjoying the freedom to spend your time with the people you love, doing the things that matter most. And if retirement is still on the horizon, we hope you're taking intentional steps toward creating that kind of future.

However you're celebrating today, we hope it's spent with family, friends, and a chance to appreciate the life you've worked so hard to build.

Wishing you a safe, relaxing, and Happy Fourth of July!

— Adam, Dave, and the entire Fourth Dimension Financial Group team

07/01/2026

When people get close to retirement, they almost always ask the same question:

"Can I afford to retire?"

What they're really asking is, "How do I make sure I don't run out of money?"

That's an important question, and it's one we can model with projections, historical data, and a solid financial plan.

But there's one variable that's much harder to predict...

Long-term care.

For many retirees, it's one of the biggest financial risks they'll ever face, yet it's also one of the least planned for.

That's why I've been building something new.

I'm currently testing a 7-Step Care Blueprint designed to help individuals and families think through long-term care before it becomes a crisis. The goal is to provide a clear, practical process for understanding your options, identifying gaps, and creating a plan that gives you more confidence about the future.

Before I launch it publicly, I'm looking for a handful of people willing to be "test pilots" and help me refine the process.

If you'd be interested in going through the 7-Step Care Blueprint and providing feedback, reply to this post. I'd love to tell you more.

– Adam

06/26/2026

Every few months, a new headline appears about Social Security.
Some predict benefit cuts.

Others propose tax changes.

Some suggest raising the retirement age.

The reality is that Social Security faces long-term funding challenges, and lawmakers will likely need to make changes over the coming years to help preserve the program.

One recent proposal would cap annual Social Security benefits at $100,000 per household for those receiving more than that amount. While this wouldn't solve the entire funding gap, it's an example of the kinds of adjustments being discussed.

The important takeaway?

Don't build your retirement plan assuming today's rules will remain exactly the same forever.

A good retirement strategy is flexible. It accounts for the fact that tax laws, Social Security, and Medicare rules can all change over time.

If you're wondering how potential changes could affect your retirement income, we'd be happy to walk through your plan and stress-test it against different scenarios.

The headlines will keep changing. A well-built plan is designed to adapt with them.

06/24/2026

Do You Still Need Life Insurance in Retirement?

Retirement is a great time to revisit your life insurance coverage.

While some retirees no longer need the protection they once did, others may still benefit from coverage to help support a spouse, cover taxes, leave a legacy, or provide for loved ones.

The answer isn't the same for everyone.

If it's been a while since you've reviewed your policy, let's take a look together and determine whether your current coverage still fits your goals and financial situation.

Reach out to schedule a conversation: https://fourthdimensionfinancial.com/contact/

06/18/2026

As a kid, what was the first thing you remember saving up your money for?

Mine was a Kyosho RC car.

The whole setup cost about $320, which felt like a fortune at the time. I spent months mowing lawns and carefully stacking cash on a shelf in my bedroom closet until I finally had enough.

What's funny is that I barely remember driving the car.

What I do remember is the saving.

I remember counting the money. Watching the pile grow. Doing the math. Feeling like I was getting closer every week.

Looking back, it's interesting that the journey stuck with me more than the purchase itself.

Maybe that's because some of the most rewarding financial experiences aren't about what we buy. They're about the discipline, patience, and sense of accomplishment that comes from working toward something that matters.

So now I'm curious...

What was the first thing you remember saving up for?

-Adam

06/09/2026

Let’s imagine you’re retired and you made it through the first year. You’re doing lots of things to fill your days and weeks. But who are you now?

At the risk of sounding ultra existential, we need to wrestle with the reality of how you view yourself, your retirement routines, and possibly even your self-worth.

This article does a nice job of hitting the highlights, but if you sincerely find yourself struggling in retirement, we can connect you with a counselor who can help you unpack these thoughts and get you aligned with your interests, passions, and identity in a way that’s virtually impossible to do on your own. No judgment, just insights.

Let us know if you’d like to be connected.
https://www.huffpost.com/entry/retirement-depression-advice-rebuilding-identity_n_69ea1a63e4b0bb584bc96504

06/05/2026

Ever been to a family reunion and thought, “I can’t possibly be related to these people?”

You may look like them, but you know you're different. Yet, if a stranger walked by, they'd assume you're all cut from the same cloth.

That, in a nutshell, is how investors often relate to "the market."
People see headlines about how "the market" is soaring or slumping, then look at their own portfolios and think, "Why doesn't mine move the same way?"

The answer: because your portfolio is not the market.

And if you're retired or approaching retirement, that's probably a very good thing.

A retirement portfolio isn't designed to win a performance contest. It's designed to provide income, manage risk, preserve what you've worked hard to build, and help your money last as long as you do.

That means there will be years when the market is up significantly and your portfolio doesn't keep pace. There will also be years when the market drops and your portfolio falls much less.

That's not a mistake. That's the plan working exactly as intended.
The financial media is paid to focus on what the market is doing. Your retirement plan should focus on something different: whether your money is accomplishing what it was designed to do.

I recently wrote about why comparing your portfolio to the market is often an apples-to-oranges comparison and how understanding that difference can help investors stay focused when emotions start to take over.

Read the full article below.

https://fourthdimensionfinancial.com/featured-articles/the-market-isnt-your-portfolio/