Lawless Capital Group LLC

08/13/2026

The wind gets all the attention. But is that what determines where you end up?

07/24/2026

This article gets a lot right.

Retirement is about much more than growing a portfolio. It requires planning for taxes, inflation, healthcare, longevity, and market risk.

Where we would add to the conversation is this:

Retirement planning should come before investment planning.

Before choosing investments, you should know:

• How much income do you actually need?
• What risks could derail your plan?
• How can you reduce lifetime taxes?
• What role should each dollar play?

Only then should you decide which investments fit the plan.

Investments are tools. A financial plan tells those tools what job they need to do.

That's the difference between managing investments and planning for retirement.

Does your retirement plan account for increasing healthcare costs and longevity? It's time to stop focusing on market returns and take a more complete approach.

07/06/2026

If you've ever argued with yourself over spending an extra ~$6 at a restaurant...

Congratulations.

You're probably the kind of person who has the discipline to prepare for retirement.

But retirement isn't about having more money.

It's about having the confidence to make decisions.

That's what an LCG plan is designed to give you

06/26/2026

Every content creator starts somewhere. Thankfully, we've been doing financial planning a lot longer than we've been making videos, so go easy us!

But this concept is too important not to share.

We find that a lot of people believe retirement success comes down to earning a certain rate of return. The reality is there are several forces working against your retirement, and average returns only tell part of the story.

In this short video, we explain why the "average rate of return" can be one of the most misleading numbers in financial planning and why having a plan is far more important than chasing performance.

If you found this helpful, give us a follow. Our goal is to help people make financial decisions based on facts, not opinions, so they can retire with confidence.

06/24/2026

We love to hear it!

06/04/2026

A question for retirees and those approaching retirement:

Looking back, what is one thing you spent too much time worrying about that ultimately worked out just fine?

Retirement?
Money?
Your career?
Your kids?
Something else?

One thing we've noticed over the years is that many of the things people lose sleep over never actually happen.

Sometimes hearing someone else's perspective can be incredibly valuable.

We'd love to hear your answer!

05/18/2026

This is a good reminder that Roth conversions are not automatically good or bad.

Lately, the term gets thrown around like it is some universal retirement “hack,” but the reality is that a Roth conversion is simply a tool. Whether it helps or hurts depends entirely on the context of the overall plan.

The goal is not just to convert money to Roth because someone on the internet said taxes are going up. The goal is to understand whether the strategy actually improves your long term after tax net worth and creates a better outcome for your specific situation.

A conversion can impact your tax bracket, Social Security taxation, Medicare premiums, future RMDs, cash flow, and even legacy planning decisions.

Without understanding the rules and how the strategy fits into the bigger picture, there is no way to know whether it is actually the right move.

That is why I believe retirement planning works best when decisions are made as part of a coordinated strategy rather than reacting to headlines, opinions, or one-size-fits-all advice.

Sometimes a Roth conversion isn't right for you — or at least not right now. A financial adviser explains what you should consider before getting involved.

05/06/2026

“Delay Social Security if you can afford to.”

A lot of financial advisors say this.

And sometimes it’s good advice.

But the reality is a lot more complicated than that.

First, the breakeven math is usually oversimplified.

You’ll hear:
“You need to live until 80 for delaying to make sense.”

That ignores the Time Value of Money.

When you factor that in, breakeven is often much closer to your mid 80s.

Second, it ignores taxes.

Most retirees are pulling income from pre tax accounts like a 401(k).

That money is fully taxable.

Social Security is only partially taxable.

So what are you really doing?

In many cases, you’re replacing a more tax efficient income stream with a fully taxable one.

And here’s the part almost nobody talks about…

To delay Social Security, you still need income.

So you spend down your most flexible dollars first.

The money you can control.
The money you can plan around.

To delay an income stream you can’t control.

That doesn’t make delaying wrong.

It just means the decision is bigger than “take it early or late.”

It’s about:
• Where income comes from
• How it’s taxed
• How everything fits together over time

There are absolutely situations where delaying makes sense.

But if no one has shown you how it fits into your full plan…

You’re probably not making a strategy decision.

You’re following a rule of thumb.

Learn the rules and strategies that might be able to help boost your benefits.

04/30/2026

You wouldn’t ask a contractor why he owns a hammer or a screw gun.

They’re just tools.

What matters is what they are building… and how those tools are used to get there.

Financial products work the same way.

Annuities, 401(k)s, IRAs, life insurance… they’re not the plan.

They’re tools inside the plan.

The issue we see most often isn’t the product itself... it’s that no one ever showed how it all fits together.

That’s exactly what this post is about.

04/30/2026

The “safe” part of your portfolio… might not be safe.

Everyone is watching the Fed and waiting for rate cuts.

But right now… that’s uncertain.

And that matters more than people think.

Because bonds — where most people keep their conservative money — depend on interest rates.

That’s also where most people plan to generate cash for withdrawals in retirement.

So if rates are uncertain…

👉 bond markets become uncertain.

And that’s a problem.

Because that’s the money you’re relying on when the paycheck stops.

Not your growth portfolio.

This is where sequence risk can show up.

Not because the market crashes…

But because the “safe” money isn’t stable when you need it to be.

That’s how portfolios get hurt.

The Federal Reserve held its benchmark interest rate steady on Wednesday afternoon amid uncertainty over when the conflict in the Middle East will be resolved.