Transparent Retirement Group

Transparent Retirement Group Helping you retire with confidence, grow your wealth, and protect what matters most.

09/01/2026

Inflation isn’t just a headline—it’s changing what your money can actually buy.

Since 2020, cumulative inflation has been about 29%. That means what $100 bought you in 2020 now costs about $129. Put another way, it takes roughly $1.29 today to buy what $1.00 did just a few years ago.

This is exactly why understanding inflation matters. If your income and investments aren’t keeping pace, your purchasing power is shrinking—even if your account balance isn’t.

Source: U.S. Bureau of Labor Statistics (Consumer Price Index) and the Federal Reserve Bank of Minneapolis Inflation Calculator.

08/18/2026

Everyone gets handed a number at some point. A million. Two million. Whatever it is, it starts feeling like the whole plan.

But your number on its own doesn’t tell you much. What matters more is what you need that money to do. How much income it needs to produce, how long it needs to last, and how much flexibility you want if life throws something unexpected at you.

Two people with the same balance can be in completely different positions depending on those three things.

What number were you told to aim for? Does it still feel right to you?

07/30/2026

Long term care is one of the most expensive parts of getting older, and medical costs are rising almost three times faster than regular inflation.

Here's something a lot of people don't know. Many life insurance policies already include something called living benefits. Say your policy has a death benefit of half a million dollars. If you get sick and need care, you may be able to access that money while you're still alive, instead of it only paying out after you're gone.

Did you know your life insurance could already work this way for you?

07/22/2026

Target date funds are great while you're working. Pick a year, forget about it, and the fund quietly gets more conservative as you go.

But here's what nobody mentions. Once you actually retire, that fund has done its job. It was built to get you to the finish line, not to carry you through the next 20 or 30 years of actually living off that money.

Retirement needs a different strategy. More personal, more specific to your situation, not a preset formula based on a birth year.

Does your retirement account still look the same as it did the day before you retired?

07/17/2026

Long-term care isn't just a nursing home. It's help with everyday things like bathing, dressing, or getting around, and it can happen because of illness, injury, or cognitive decline. Many people get this care right at home.

The real question isn't if you'll need it. It's how you'll pay for it without draining your retirement or putting the weight on your family.

Planning ahead gives you more choices later, for you and for the people you love.

Have you thought about how long-term care would fit into your plan? Let us know in the comments. 👇🏻🤔

Medicare doesn't have to be confusing.Our clients don't just get answers, they get someone who takes the time to underst...
07/15/2026

Medicare doesn't have to be confusing.

Our clients don't just get answers, they get someone who takes the time to understand their full picture and explain what it actually means for their retirement. That kind of guidance is the difference between feeling lost and feeling prepared.

This is what it looks like when someone finally has a plan they trust. 👌🏻

07/13/2026

It is easy to treat the market like a scoreboard even when the money is not going anywhere soon. Short term swings matter a lot less than most people think once a plan is actually in place.

How often do you find yourself checking? 😅🤔

07/10/2026

If the market dropped 30% the year you retired, would your plan still hold up? 🤔

This is called sequence of returns risk. It means the timing of a market downturn matters just as much as the downturn itself. Take a hit early in retirement while you’re withdrawing money, and your savings may never fully recover, even if the market bounces back later.

Retirement planning isn’t just about growing your money. It’s about building an income strategy that can hold up when the market doesn’t.

Have you ever run this scenario for your own plan? Tell us in the comments. 👇🏻

07/08/2026

A year ago, the conversation was about rate cuts and cooling inflation. Now inflation is climbing again and the Fed may raise rates instead. That is a fast turnaround.

If you are retired or close to it, this is exactly why a plan cannot be set once and forgotten. The economy moved in a matter of months, and the assumptions behind a retirement plan need to keep up.

Reviewing where things stand today, not where they stood last year, is what keeps a plan working.

When did you last take a fresh look at your retirement plan against today’s numbers?

07/06/2026

Nobody can tell you where the market will be in six months, a year, or two years out. Wars start and end, interest rates climb and fall, and the headlines rarely settle down.

So when things feel uncertain, a lot of the conversations we have with clients come back to one idea: guarantees.

One approach worth understanding is a strategy that lets you share in part of the market's growth while

protecting against the downside when the market drops. It is not the right fit for everyone, but knowing the option exists changes how you think about risk in retirement.

How much market risk feels comfortable to you at this stage of life?

Address

500 N Westshore Boulevard, Suite 1015
Tampa, FL
33609

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18136785330

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