Tyler Lavoie, Chfc

Tyler Lavoie, Chfc Helping families within 10 years of retirement build a strong financial life through a stewardship planning process.

Co-Founder: Guardian Financial Services | Author | Founder: Brightcrumbs

09/07/2026

The Question Your Financial Plan Is Missing.

Wealth isn’t what you earn.It’s the gap between what you earn and what you keep — and what you do with what you keep.Mos...
09/05/2026

Wealth isn’t what you earn.
It’s the gap between what you earn and what you keep — and what you do with what you keep.

Most people focus almost entirely on the income side. More salary. Better returns. A higher number.

But the gap — the space between earning and spending, between receiving and stewarding — is where wealth actually gets built. And where it gets lost.

Earning more doesn’t close the gap. Spending less doesn’t either, on its own. Being intentional about why you’re keeping what you’re keeping — that’s what does.

The gap is the point.

What’s one financial habit you’ve built that you’re proud of?Automating your savings so you never see the money before i...
09/03/2026

What’s one financial habit you’ve built that you’re proud of?

Automating your savings so you never see the money before it’s invested. Staying invested through a market correction when everything in you wanted to sell. Giving generously and consistently over a long period of time.

Good financial habits don’t get celebrated enough. They work quietly in the background while life happens. Drop yours in the comments.

The biggest threat to most retirement portfolios isn’t the market.It’s the investor.Behavioral biases — the mental short...
09/02/2026

The biggest threat to most retirement portfolios isn’t the market.
It’s the investor.

Behavioral biases — the mental shortcuts and emotional patterns that affect how we make financial decisions — are present in everyone. They show up when markets drop and we want to sell. When markets are up and we want to pile in.

When we hold on too long to a losing position because selling feels like admitting failure.
Knowing your biases doesn’t eliminate them, but it does give you a chance to catch them before they drive a decision you’ll regret.

I put together a complimentary Behavioral Biases Checklist that walks through the most common patterns and how they show up in retirement planning. Comment below or send me a message for a copy.

Most retirement planning conversations start with net worth. But once you’re in retirement, the number that matters most...
09/01/2026

Most retirement planning conversations start with net worth. But once you’re in retirement, the number that matters most is cash flow.

Net worth is a snapshot — the total value of what you own minus what you owe. It tells you how much you’ve accumulated. That’s important.

But in retirement, what you actually live on is monthly income. A person with $2 million in net worth but no reliable income stream may feel more financially stressed than someone with $800,000 and a clear, predictable monthly paycheck from Social Security, a pension, and portfolio withdrawals.

The transition from accumulation to distribution is fundamentally a shift from thinking about the balance sheet to thinking about the income statement.

How much comes in each month?
How does that compare to what goes out?
How long does it last?

Both numbers matter. But in retirement, cash flow is the one you live with every day.

08/31/2026

Leaving a job? Here’s what you need to know about your 401(k) options — and which one to avoid.

The people who handle money well aren’t usually the ones who earned the most.They’re the ones who thought most carefully...
08/29/2026

The people who handle money well aren’t usually the ones who earned the most.
They’re the ones who thought most carefully about why.

Why they were earning.
Why they were saving.
What they were building toward.
What they wanted to leave behind.
What they wanted their money to say about them.

That clarity changes everything — the decisions you make, the tradeoffs you accept, the things you let go of without regret.

It’s never really about the amount. It’s always about the intention behind it.

What’s a financial conversation you know you need to have — but keep putting off?With a spouse about retirement timeline...
08/27/2026

What’s a financial conversation you know you need to have — but keep putting off?

With a spouse about retirement timelines. With your kids about what you have and what your wishes are. With yourself about whether the plan you have actually reflects the life you want.

Most of the time, the hardest part is starting. Drop yours in the comments — even naming it is a step.

Your “fiscalosophy” is your personal philosophy about money — what you believe about earning it, saving it, giving it, a...
08/26/2026

Your “fiscalosophy” is your personal philosophy about money — what you believe about earning it, saving it, giving it, and spending it.

Most people have never articulated it. But those beliefs quietly drive almost every financial decision they make.

The Fiscalosophy Conversation Guide is a reflective exercise I use with clients early in our relationship. It helps surface the values and beliefs that should be guiding a financial plan — but often aren’t because they’ve never been examined or discussed.

It works well as a personal exercise, and even better as a conversation between spouses or partners who want to get on the same page.

Comment below or send me a message for a complimentary copy.

Estate planning comes up in nearly every retirement conversation — and the will vs. trust question comes up in nearly ev...
08/25/2026

Estate planning comes up in nearly every retirement conversation — and the will vs. trust question comes up in nearly every estate planning conversation.

A will is a legal document that directs how your assets are distributed after you pass away. It goes through probate — a court-supervised process — which takes time, costs money, and becomes a matter of public record.

A revocable living trust holds assets during your lifetime and transfers them to beneficiaries at death without going through probate. Because it avoids probate, the transfer is faster, private, and often less costly for your heirs. A trust can provide instructions for managing assets if you become incapacitated.

Do you need both? Often, yes. A will is still needed to capture any assets not held in the trust — and to name a guardian for minor children. Many estate plans include what’s called a “pour-over will” that transfers remaining assets into the trust at death.
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Whether a trust makes sense depends on the size of your estate, your state’s probate laws, your family situation, and your privacy preferences. This is worth discussing with an estate planning attorney as part of your overall retirement plan.

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