Conroy Wealth Management

08/26/2026

If you live to 95, will your money?

If you're too aggressive, will you come up short? Too conservative, and you leave quality of life on the table.

Also, will the life you are living at 70 change as you age? Have you considered how changing withdrawal rates can affect everything from estate management strategies to retirement strategies?



Disclosure: The portfolio is composed of 50 percent stocks, 40 percent bonds, and 10 percent Treasury bills. It is assumed that a person withdraws a hypothetical percentage each year. Historical returns based on the period January 1, 2001, to December 31, 2025. Stocks are represented by the Standard & Poor's 500, which is an unmanaged group of securities & considered to be representative of the US stock market. Bonds are represented by the five-year U.S. government bond and Treasury bills by the 30-day U.S. Treasury bill. An investment cannot be made directly in an index. Past performance is no guarantee of future results.

08/19/2026

One of the most overlooked questions in building a retirement strategy isn't "How much do I have?" It's "When do I need it?"

That's exactly what a bucket strategy does. It matches your assets to your timeline, so every dollar is working as hard as it can for as long as it can.

Do your buckets match your time horizon?

08/12/2026

There are four ways to approach risk. You can ignore it or avoid it entirely. Or manage it carefully. Or transferr it through insurance.

Every one of these can work, but the key is knowing which one you're choosing and why.

Of these four approaches, which one do you instinctively reach for?

08/05/2026

No two clients are the same. Nor are their portfolios.

The strategies that serve someone building wealth at 55 look very different from those preparing for retirement at 65. That's why it's critical to take a multi-layered approach that allows us to use a mix of strategies to pursue your goals.

What mix works best for you?

07/14/2026

Building financial freedom takes more than cutting back—it also means growing forward.

This July, think about how you’re investing in yourself.
✔ Are you learning new skills?
✔ Taking courses to grow your career?
✔ Exploring new income opportunities?

Let your higher earnings support your bigger dreams: an early retirement, a second home, starting your own business—whatever financial independence means to you.

This summer, let’s raise a toast to progress, growth, and the freedom that comes from putting your goals into motion.

07/07/2026

True financial freedom doesn’t just mean having money—it means having options. One of the best ways to create that kind of peace of mind? Build an emergency fund.

A solid emergency fund (aim for 3–6 months of essential expenses) is your financial buffer. It keeps life’s curveballs—job loss, medical bills, home repairs—from becoming financial crises.

This month, consider setting up or revisiting your emergency savings. Even if you start small, the key is consistency. A little bit saved regularly adds up—and gives you more confidence and freedom to make long-term financial decisions without fear.

Because independence isn’t just about celebration—it’s about preparation.

06/30/2026

Debt is a reality for most of us—whether it’s student loans, car payments, credit cards, or a mortgage. And while not all debt is bad, managing it wisely is one of the most important steps toward financial freedom.

If debt is keeping you from saving or investing for the future, consider this your July nudge to make a change.

The fewer financial obligations you carry, the more freedom you gain to use your money in ways that truly benefit you—like saving for retirement, investing in your future, or even taking that well-earned vacation without guilt.

This Independence Month, let’s celebrate the steps we can take to free ourselves from unnecessary financial stress.

06/23/2026

Reclaim Your Financial Independence!
As we celebrate our nation’s freedom this July, it’s worth asking whether you feel financially free.

This month, take the opportunity to reflect on your finances and begin making moves toward greater control and confidence. A great place to start? Create a budget. It doesn’t have to be complicated—just track your income and expenses so you can make conscious decisions about how you use your money.

A budget gives you clarity, control, and the ability to say "yes" to what matters most. Independence isn’t about doing everything alone—it’s about having the power to choose your future.

Let’s make this the summer you take charge of your financial story.

06/23/2026

Hello, sunshine! It's time to soak up the warm rays and fire up the grill for some sizzling summer fun. 🌞🔥

So, grab your tongs, gather your family and friends, and let's celebrate summertime grilling in all its glory! Share your favorite grilling recipes, tips, and photos, and let's embrace the sunshine together. ☀️🔥

From carne asada to perfect veggie burgers, this collection of grill recipes has something for everyone at your cookout.

06/16/2026

Let's bring the surf to the turf. Calling all seafood lovers! It's time to fire up the grill and indulge in the mouthwatering world of grilled fish. 🌊🔥

Grilling fish takes your culinary game to a whole new level so check out these grilling ideas to elevate your grilling game to below sea level.

With these 17 top grilled fish recipes, you will be enjoying fresh fish on the grill all summer long, from cedar plank halibut to spicy tilapia.