Asset Mentors

Providing you with the tools and information to make financial decisions and plan for retirement

07/17/2026

➡️ Required Minimum Distributions are more than a tax rule—they're a retirement planning decision.

🎂 If you're approaching your RMD age, remember that delaying your first distribution until April 1 could mean taking two taxable distributions in the same calendar year.

💸 That may increase your taxable income, affect the taxation of Social Security benefits, and even raise your Medicare premiums.

🔎 Understanding when—and how—you take RMDs can have a meaningful impact on your overall retirement income strategy.

07/15/2026

Early estimates for the 2027 Social Security COLA have just been revised — and cooling inflation is the reason.

Current projections now point to a 3.7% to 3.8% adjustment, up from this year's 2.8% but still subject to change. The official number won't be announced until October, once the Social Security Administration reviews third-quarter CPI data.

Worth noting: the projected 2027 Medicare Part B premium is $209.50 per month — up $6.60 from 2026 and deducted directly from Social Security checks. The net increase retirees actually see in their deposits will be smaller than the headline COLA suggests.

The 2027 COLA is still a projection. We'll know the official number in October.

07/13/2026

👀 Half the year is already behind us. How does your financial plan look?

🗓️ Mid-year is a good time to check in on the progress you've made and whether any adjustments are worth considering before year-end.

A few questions to ask yourself:

❓ Are you on pace to reach your retirement savings goals?

❓ Has your investment mix drifted from where you intended it to be?

❓ Do you have enough cash set aside for unexpected expenses?

❓ Have your retirement goals or priorities changed over the past six months?

A mid-year review isn't about making dramatic changes. It's about making thoughtful adjustments that can help keep your long-term plan on track.

07/09/2026

💸 For many retirees, the biggest financial fear isn't the market. It's running out of money.

📋 A recent study found that two-thirds of investors worry more about outliving their savings than they do about dying.

It's an understandable concern.

👉 Retirement isn't just about how much you've accumulated. It's about how long those savings need to last, how much you can safely withdraw each year, and how your income sources work together over time.

🏖️ The goal isn't simply to build wealth. It's to build income that can support the retirement you envision.

07/07/2026

❗ Retirement is lasting longer than many people expect.

📈 Life expectancy continues to rise, and for couples who both reach age 65, there's about a 50% chance that at least one spouse will live into their 90s.

🤔 Yet most Americans still underestimate how long retirement may last.

⏳ That matters because a retirement plan built to fund 20 years looks very different from one designed to support 30 years or more.

👉 Longevity risk isn't just about living a long life. It's about making sure your income, investments, and withdrawal strategy are built to last as long as you do.

07/04/2026

The Fourth of July is a time to gather with family, reconnect with friends, and reflect on the freedoms we enjoy as Americans.

Many in our community have worn the uniform, served their country in other ways, or supported loved ones who answered the call. We are grateful for those sacrifices, and for the generations who have helped preserve the liberties we celebrate today.

From all of us at Asset Mentors, we wish you a safe, meaningful, and Happy Independence Day. 🇺🇸

07/03/2026

Happy 4th of July!

Wishing everyone a safe and enjoyable Independence Day weekend.

Whether you're spending the holiday with family, firing up the grill, traveling, or watching fireworks, we hope you have a safe and enjoyable Fourth of July weekend.

Take a moment to celebrate the freedoms we often take for granted—and enjoy some well-deserved time with the people who matter most.

Happy Fourth of July from all of us at AssetMentors.

07/01/2026

Retiring Too Early?

✅ The average American retires at 62.6 years old. Full Social Security retirement age is 67.

❗ That four-year gap is not just an income problem. It is a compounding problem. Every year before Full Retirement Age that someone claims Social Security, their monthly benefit is permanently reduced.

💵 And every year before that, they are drawing down savings that could otherwise keep growing.

📑 Retiring early is not wrong. But retiring early without a plan for the income gap is one of the most common and costly mistakes in retirement planning.

06/29/2026

The Healthcare Number Nobody Plans For

👨‍⚕️ A couple retiring today may need up to $428,000 just to cover healthcare costs in retirement — giving them a 90% chance of not running out before they die.

💲 For an individual woman retiring at 65, that number is $226,000 just for healthcare. For a man, $191,000.

🎯 These are not outlier projections. They come from the Employee Benefit Research Institute, one of the most respected research organizations in the country.

😳 Healthcare is the retirement expense that surprises people most. Planning for it early is the only way to avoid being surprised by it later.

06/25/2026

The Savings Gap

👀 Current retirees say you need about $824,000 to retire comfortably in 2026. The average retiree actually has $288,700.

❗ That is not a small gap. That is a $535,000 difference between what people think is needed and what they actually have when they get there.

💸 And nearly 1 in 3 retirees say they are either spending down their savings faster than expected or have already spent too much.

👉 The retirement savings crisis is not hypothetical. It is the lived experience of millions of Americans right now.

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