Mosaic Financial

07/17/2026

Outliving your savings is a real risk in retirement. This article breaks down the key stats & tips for a secure retirement. 💡📈

A new report lists 41 states where seniors are likely to outlive their retirement savings.

07/16/2026

One of the biggest challenges business owners face?

Balancing what your business needs today with what you need for the future.

It’s easy to put personal goals on the back burner but building a plan that supports both can help create more stability and confidence over time.

If you’ve been thinking about revisiting your strategy, this is a great time to schedule a review.

07/15/2026

It’s easy to think, “I’ll get to estate planning later.”

But life doesn’t always wait for the perfect time.

Whether you’re building a career, raising a family, or managing new responsibilities, having a plan in place today can make a meaningful difference tomorrow.

You may want to consider a plan if you:
• Have children or dependents
• Own a home or other assets
• Want a say in medical or financial decisions if something unexpected happens

If you’re unsure where to start, consider scheduling a review.

07/14/2026

Whether it's a choice or by circumstance, going from two incomes to one means rethinking a few things. The monthly budget is the obvious starting point, but adjustments usually go further than that. Emergency fund targets, insurance coverage, retirement contributions, and debt repayment timelines can all look different on a single income.

The families that navigate this transition well usually start by getting a clear picture of where things stand, then make intentional decisions about what changes and what stays the same. If you're not sure where to start, reach out.

07/13/2026

If your business offers a 401(k), when's the last time you took a close look at the fees?

Every 401(k) plan comes with costs, including administrative fees, investment fees, and advisor fees. Those costs are typically paid by your employees through their account balances. Over time, even small differences in fees can add up to a significant impact on retirement savings. Fee benchmarking is simply the process of comparing what your plan charges against similar plans to make sure the costs are reasonable.

If it's been a while since you've reviewed yours, it might be time for a closer look. We're happy to help you work through it.

07/10/2026

If you're self-employed, your retirement planning options may look different than someone working for a large employer.

One option to know about is the solo 401(k). It's designed for business owners with no full-time employees other than a spouse and may allow eligible owners to save more for retirement than some other account types.

For many entrepreneurs, it can be a powerful way to build retirement savings while maintaining flexibility.

Not sure whether a solo 401(k) fits your situation? Let's talk.

07/09/2026

Your 60s are often when retirement planning starts turning into real retirement decisions. This can be an exciting stage, but there are also a lot of details to coordinate before work changes or stops.

A few areas to think through:

• Decide when you may begin withdrawing from retirement accounts
• Consider whether rolling over a 401(k) balance into an IRA at retirement may make sense
• Review when you can receive your full Social Security benefit
• Review your Medicare options and determine if you want or need additional coverage
• Review mortgage and consumer debt, if applicable

A little clarity before retirement can make the next chapter feel more organized, flexible, and intentional.

07/08/2026

Starting your financial journey at 40? Here's some key tips for when you might be playing catch-up. Read more:

Starting your investment journey at age 40? Discover practical catch-up strategies, tax-advantaged tools, and compound math to secure your retirement.

07/07/2026

More than 40% of small businesses still don't offer a retirement savings plan.

For employees, retirement benefits are often one of the most valuable workplace benefits available. For employers, they can be a meaningful way to attract and retain talent while helping employees build long-term financial security.

Not sure where to start? We're happy to help you evaluate which benefits may make the most sense for your business and your employees.

07/06/2026

If your only life insurance is through your employer, it may be worth a second look.

Employer-provided coverage typically equals 1x your annual salary. But to adequately cover a family's long-term needs, a common rule of thumb is at least 3x your salary in coverage, accounting for things like housing, childcare, education, and ongoing living expenses.

And here's something you might not be thinking about: employer coverage doesn't follow you. If you change jobs, get laid off, or retire, that policy is gone.

Life insurance isn't a fun topic, but it's one of the most important pieces of a solid financial plan. If you haven't reviewed your coverage lately, now might be a good time.