If you’re looking back on your expenditures from this year and wondering where you went wrong, you’re not alone. This may be especially true if you’re a new retiree. It can be hard to budget correctly for a lifestyle you haven’t led before.
Here’s what financial experts say cost retirees too much money and how to allocate money better in 2026.
Workers will be able to put up to $24,500 into their 401(k)s and similar workplace retirement accounts in 2026, up $1,000 from this year, the Internal Revenue Service said Thursday.
The accounts are the main way Americans save for retirement, and the limits on annual contributions are raised every year to adjust for inflation. Around 70% of private-sector employees in the U.S. now have access to a 401(k)-style retirement plan, though just a fraction of those max out their contributions each year.
It’s not unprecedented for the stock market to drop after hitting a new all-time high — as it has done since last Wednesday, when the Dow Jones Industrial Average DJIA-1.24% hit 48,254.82. It closed Monday of this week at 46,590.24, more than 1,600 points lower.
It’s a sign of Wall Street’s irrational exuberance that many think it’s even worth mentioning that the market doesn’t always respond to a new high by rising even more.
Don’t let any of these slip by without taking action.
The end of the year is often hectic as we juggle vacation schedules, holiday gatherings, and new financial strains. The beginning of a new year isn’t always a lot better. You’re trying to recover from the holidays and maybe work toward a New Year’s resolution.
Amid all that, it’s easy to let other things, like retirement healthcare and financial moves, fall through the cracks. A simple way to prevent this is to write down important deadlines in a place where you won’t forget them. Here are five worth remembering over the next few months.
A few practical steps today can make your future more secure – and less stressful.
Many of us have saved for years, or even decades, to ensure a retirement where we can live comfortably into our golden years.
But is financial preparation alone enough?
Experts suggest there is more to a fulfilling retirement than a healthy bank account and that it pays to begin preparing well before the actual time arrives. If you have an idea now of what you want out of retirement, it could help you develop a more realistic plan for the future. And experts contend retirement is more personal than some general advice makes it seem.
Parents will do anything for their kids, but that could be coming at a huge cost ‒ to themselves, according to a new study.
More than a third (36%) of the 3,000 parents surveyed by Ameriprise in January worry that supporting their adult children may derail their retirement plan, yet they continue to lend their kids a hand. More than 6 out of 10 (63%) parents pay ongoing expenses like living costs and phone bills for their adult children, and 76% have either paid or plan to pay for major one-time expenses like a wedding or down payment on a home, the survey showed.
“It’s admirable, for sure, but underscores the need for parents to be planful for their own financial future,” said Deana Healy, vice president of financial planning and advice at Ameriprise. “First and foremost, it is about being intentional – what you need for your own retirement and goals, then what can I afford and what do I want to afford” to help the children.
Retirees and other beneficiaries will see a 2.8 percent monthly bump in their Social Security benefits next year to reflect inflation.
The Social Security Administration announced the annual cost-of-living adjustment on Friday after the government shutdown delayed the release of September inflation data for the broader economy. The adjustment, known as the COLA, will be added in January to the benefits of 75 million Americans, a group that includes retirees and their spouses and survivors, as well as those who receive disability benefits and Supplemental Security Income.
In most years, Social Security retirees receive a cost-of-living adjustment (COLA), and that’s likely to happen in 2026. COLAs are critical because without them, benefits would remain unchanged while the price of goods and services increase over time. Retirees would be left with far less buying power, and many would struggle to make ends meet since Social Security is an important income source for seniors.
COLAs aren’t the same from one year to the next, though. While the 2026 COLA hasn’t been announced, there are good estimates of what it’s going to be. Based on the existing data, it looks like the amount of the benefits increase is going to be different from the raise retirees got in 2025.
Here’s what next year’s COLA is likely to be, compared with the benefits bump you got in 2025.
TradingKey – If the U.S. government experiences a shutdown, it could lead the Federal Reserve to stick with its current pace of interest rate cuts, or even accelerate them if the shutdown lasts longer and causes deeper economic disruptions. With a U.S. recession highly unlikely, these rate cuts are seen as preventive, a type that historically has driven U.S. stock market gains. Thus, supported by easing monetary policy, economic challenges stemming from a shutdown are likely to translate into positive outcomes for stocks, turning bad news for the economy into good news for the market.
To the average investor, mutual funds and exchange-traded funds may not seem very different.
After all, they are both relatively liquid baskets of stocks, bonds and other assets overseen by professional money managers, and can help investors diversify their portfolios.
But there are some key differences that may make one a better financial choice than the other for certain investors, according to experts.
It’s official. President Donald Trump signed an executive order that could transform your 401(k) investment options.
For the first time, complex choices such as private equity, real estate, expanded annuities and even cryptocurrency may be added to your plan’s menu.
These aren’t the plain-vanilla mutual funds and index funds to which most of us are accustomed. They’re bigger, flashier and at least on paper, full of promise.
But promise is one thing; reality is another. These products are generally more complicated, less flexible and often more expensive to own.
The executive order doesn’t require your employer to offer them. But if they do, you’ll need to be ready to navigate a very different and potentially riskier set of choices.
Roth 401(k) or Roth individual retirement account contributions can be a powerful way to build wealth for your golden years.
There’s no upfront deduction for deposits with either, but the investment grows tax-free, which means you won’t owe taxes on withdrawals in retirement. Plus, there are no required withdrawals for the original account owner.
But when comparing Roth 401(k) versus Roth IRA contributions, there are pros and cons to consider, experts say.
“It’s power versus freedom,” While you can defer more into your Roth 401(k), there could be more flexibility with your Roth IRA account, Whitledge said.
“The mistake is thinking it’s one or the other,” because you can contribute to both accounts, he said. Still, there are key differences between Roth 401(k) and Roth IRA accounts, experts say. Here’s what to know.
Social Security has been making headlines for some time, primarily due to longevity concerns.
Currently, more than 70 million Americans rely on this program to make ends meet, yet the most recent predictions estimate the Social Security trust fund that pays retiree benefits will be depleted by 2033.
As the program enters its 90th year, it’s important to understand how we got here, what’s currently happening and how this could impact future recipients.
One of the most pressing questions individuals face is: How much money will I need to maintain a comfortable lifestyle once I stop working? To answer that question, you have to understand the average monthly expenses of retired individuals and evaluate whether your savings will be enough.
Generally speaking, on average, you’ll need around $5,000 per month after retirement.
Retirees might dream of selling their home, downsizing to a smaller one, and investing the extra cash for income, but the profit they pocket is often less than what they hoped for.
When you retire, you may hear a lot about downsizing — trading in your large house for something more compact. It’s often pitched as the best move for retirees, but it’s not for everyone, and you may not have the cash or the desire to go smaller. The idea may have even crossed your mind, but there are some myths and misconceptions about downsizing — especially how it may affect your finances or change your lifestyle. If it feels like the right fit for you, though, downsizing can be a practical way to ease into retirement.
But before packing up your belongings, avoid falling for false narratives, such as that selling will provide a significant financial gain or that your living expenses will be greatly reduced by downsizing. Instead, approach your retirement planning with a clear understanding of reality and steer clear of these 5 myths.
The One Big Beautiful Bill Act (OBBBA), signed into law by President Donald Trump over the July 4, 2025, weekend, is a sweeping multitrillion-dollar package that blends tax cuts with significant spending reductions and changes to the social safety net.
For retirees, the new law brings both opportunities and uncertainties—from temporary tax relief on Social Security benefits to potential changes in required retirement distributions. While some provisions offer immediate benefits, others create planning challenges that could affect retirement strategies for years to come. Below are seven crucial takeaways for retirees.
For retired Social Security benefits recipients, checks could increase by an estimated $51 in January, rising from $1,968 to $2,019.
Every October, the Social Security Administration reveals its annual cost-of-living adjustment, also known as COLA, based on inflation data from the U.S. Bureau of Labor Statistics.
Some experts predict the COLA for the following year before it is officially announced, including the Senior Citizens League, which estimates that Social Security beneficiaries may receive a 2.6% increase in their payments beginning in January 2026.
As Americans look ahead to benefit increases in 2026, it can be helpful to understand:
LPL Research recently unveiled Midyear Outlook 2025: Pragmatic Optimism, Measured Expectations, their semi-annual report that recaps where markets and the economy have been over the first half of 2025 and where they may be going over the remainder of the year. I’m pleased to bring you a few of the key highlights today.
If “tariff” isn’t the word of the year, then perhaps it’s “uncertainty” or even “volatility.” Much of this year’s market turbulence has stemmed from the assumption that President Trump’s second-term policies would closely resemble those of his first. As it became clear that this would not be the case, markets were forced to recalibrate.
We’re proud to share that Jason Zamora, CRPC® and President of Live Oak Investors- Private Wealth Management has been recognized as one of LPL’s Top Financial Advisors—a distinguished honor that reflects his commitment to excellence and unwavering dedication to helping clients reach their financial goals.
As a member of the 2025 LPL Masters Class, Jason will join fellow top-performing advisors this weekend in Phoenix, Arizona, where he will engage in advanced training, collaboration, and strategic planning to further enhance the value they deliver to their clients.
At Live Oak Investors, we’re committed to providing personalized financial guidance and sophisticated investment strategies tailored to your unique needs. You can count on Jason and our entire team to help secure your financial future and protect what matters most.
#LPLTopAdvisor #FinancialExcellence #InvestmentStrategies #ClientFocused #LiveOakInvestors
Boerne, Texas— April 11, 2025 – Jason Zamora, CRPC®, an independent LPL Financial advisor in Boerne, Tx, has been recognized in this year’s list of the Forbes/SHOOK Best-in-State Wealth Advisors for his track record of success in the financial services industry. Zamora, President and Founder of Live Oak Investors – Private Wealth Management was recognized as of the Top 100 advisors in Texas for 2025!
The annual list is compiled by Forbes with insights from SHOOK Research. Advisors are selected based on quantitative and qualitative data, and are assessed on a variety of criteria, including interviews, years of experience, compliance records and assets under management*.
“We are thrilled to extend our heartfelt congratulations to Jason for the well-deserved recognition from Forbes, on behalf of the entire team at LPL,” exclaimed Julian Lopez, LPL’s executive vice president of Independent Advisor Services Relationship Management. “This award showcases his dedicated efforts in guiding his clients towards financial success, especially during times of economic uncertainty and global challenges. LPL remains steadfast in our commitment to supporting ambitious advisors like Jason, equipping them with cutting-edge investment solutions, advanced technology platforms, and extensive resources to provide unparalleled service and experiences for their clients.”
Jason has 27 years of experience in the financial services industry and provides a full range of financial services for individuals, families and business owners; including retirement and financial planning, individual money management, individual stocks and bonds, alternative investments, mutual funds, annuities and more.
Zamora is a Wealth Manager affiliated with LPL Financial, a leading wealth management firm that supports financial advisors—whether they work as independent business owners, with an RIA firm or in a financial institution—so they take care of their clients and run a thriving business.
About LPL Financial
LPL Financial Holdings Inc. (Nasdaq: LPLA) was founded on the principle that LPL should work for advisors and institutions, and not the other way around. Today, LPL is a leader in the markets we serve, serving more than 22,000 financial advisors, including advisors at approximately 1,100 institutions and at approximately 570 registered investment advisor firms nationwide. We are steadfast in our commitment to the advisor-mediated model and the belief that Americans deserve access to personalized guidance from a financial professional.
At LPL, independence means that advisors and institution leaders have the freedom they deserve to choose the business model, services and technology resources that allow them to run a thriving business. They have the flexibility to do business their way. And they have the freedom to manage their client relationships because they know their clients best. Simply put, we take care of our advisors and institutions, so they can take care of their clients.
Securities and Advisory services offered through LPL Financial LLC (“LPL Financial”), a registered investment advisor. Member FINRA/SIPC. LPL Financial and its affiliated companies provide financial services only from the United States.
*The Forbes Best-In-State Wealth Advisor ranking, developed by SHOOK Research, is based on in-person and telephone due diligence meetings and a ranking algorithm that includes: client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK Research receives a fee in exchange for rankings.
Throughout this communication, the terms “financial advisors” and “advisors” are used to refer to registered representatives and/or investment advisor representatives affiliated with LPL Financial.
LPL Financial, Forbes, SHOOK Research and Live Oak Investors are all separate entities.
This award does not evaluate the quality of services provided to clients and is not indicative of this advisor’s future performance. Neither LPL Financial nor the advisors pay a fee to Forbes in exchange for inclusion in the Best-in-State Wealth Advisors list.
We are so excited to share some great news from our Private Wealth Management team. We’re pleased to welcome Stephanie Styers as our new Client Services Manager and Director of Marketing.
Stephanie brings with her extensive experience in client service management and a deep commitment to delivering exceptional support. Her expertise and client-first approach will be a valuable asset to both our team and to you.
In her role, Stephanie will be your primary point of contact for all aspects of your personalized client experience. She’ll be working closely with Sylvia to ensure your needs are met with the highest level of care and efficiency.
Stephanie is a proud mother of one and has called Boerne home for the past seven years. With a deep passion for fitness and the outdoors, she finds joy in staying active and embracing nature. Beyond her personal interests, she is dedicated to making a difference in her community. She volunteers with *Blessings in a Backpack*, helps with fundraising efforts for her son’s school board, and organizes neighborhood events that bring people together. Her commitment to strengthening connections and supporting local causes makes her a valued and active member of the Boerne community.
Please join me in giving Stephanie a warm welcome. She’s eager to get to know you and continue building on the strong relationship we’ve established.
If you have any immediate questions or would like to schedule a brief introductory call with Stephanie, feel free to reach out to her directly at (830) 331-1113.
Over 1,700 older Americans and counting shared their financial and other regrets with BI.
M any had regrets about retiring too early, taking Social Security prematurely, and draining savings.
This is part of an ongoing series about older Americans’ regrets.
No one ever wants to look back in regret. But for many retirees, that’s the reality.
Not to be a downer at this fresh start time of year, but it’s useful to hear retirees’ regrets — especially if you’re closing in on retirement yourself.
“Despite improvements in savings habits and financial engagement, many retirees regret some of the decisions they made earlier in life when preparing for retirement,” Suzanne Ricklin, vice president of retirement solutions at Nationwide Financial, told Yahoo Finance. “More than 8 in 10 workers over 45 regret not taking retirement saving more seriously when they were younger.”
Here are five of retirees’ biggest regrets:
Many investors wonder: do I need a financial advisor, or should I do it myself? Figuring out if you should hire a financial advisor or manage your own investments is a big decision. And make no mistake: not everyone needs an ongoing relationship with a financial planner. Here are a few signs that you may need a financial advisor and how to find the right one.
George Wilson learned the hard way that there’s no such thing as a free lunch — or, in his case, a free dinner that cost him a chunk of his retirement savings.
As a retiree, he regularly received postcards in the mail, offering to teach him about finance and how to make money in retirement. They usually involved a presentation at a nice restaurant, and he would go without acting on any of the investment advice.
The era of 5% cash returns is ending early for some investors.
Before the Federal Reserve began cutting rates in September, banks offered certificates of deposit promising high yields for locking up cash years into the future. The highest-yielding ones, with returns in excess of 5%, had features allowing the bank to “call” them before they mature, handing back the cash and accrued interest.
Inheriting an individual retirement account can be a bittersweet experience. Although it’s a loving gesture from the deceased to help fortify your retirement, the machinations of an inherited IRA tend to be more complicated than the average recipient may realize. Once you’re able, sit down with a trusted financial professional who understands the rights and obligations that come with your new IRA.
Many steps are required to get ready to retire—saving enough money in the most tax-advantaged accounts, determining where you’ll live out your life, doing your estate and tax planning, and much, much more. But all of that only gets you to the finish line, where you leave the work world behind. Starting on day one of your retirement, it will hit you: Now you have to make sure you’re able to achieve and maintain your goals for the rest of your life.
What’s the secret to accomplishing that? Keeping your goals front and center, creating an action plan for achieving them, and reviewing that plan regularly throughout retirement can help you keep your finances on solid ground.
Unless you have accumulated substantial wealth where money is not a concern, you face a critical task when you reach retirement: making sure that your assets will support you through your lifetime. Read More
Thursday, June 13, 2024
“We are thrilled to welcome a new member to our wealth management team! Please join us in congratulating Will, our talented and enthusiastic new intern who is joining us to contribute to our mission of providing top-tier financial guidance and wealth management services. With a passion for finance and a drive to learn and grow, Will is poised to bring fresh perspectives and valuable skills to our team. We are excited to see the positive impact he will make as we work together towards our shared goals of helping our clients achieve financial success and security. Welcome aboard, Will!”
Thursday, June 13, 2024.
“We are delighted to announce the newest addition to our private wealth management team! Please join us in extending a warm welcome to Ryan Whaley, our experienced and dedicated new financial advisor who brings a wealth of expertise and a commitment to personalized client service. With a proven track record of success at the New York Life Insurance Company and NYLIFE Securities in guiding clients towards their financial goals, Ryan is a valuable asset to our team. We are thrilled to have him on board and look forward to his contributions and years of experience as we continue to deliver exceptional wealth management solutions and support to our clients. Welcome, Ryan, we are excited to have you with us!”
Boerne, Texas— April 16, 2024 – Jason Zamora, CRPC®, an independent LPL Financial advisor in Boerne, Tx, has been recognized in this year’s list of the Forbes/SHOOK Best-in-State Wealth Advisors for his track record of success in the financial services industry. Zamora, President and Founder of Live Oak Investors – Private Wealth Management was recognized as the No.56 advisor in Texas.
The annual list is compiled by Forbes with insights from SHOOK Research. Advisors are selected based on quantitative and qualitative data, and are assessed on a variety of criteria, including interviews, years of experience, compliance records and assets under management*.
“We are thrilled to extend our heartfelt congratulations to Jason for the well-deserved recognition from Forbes, on behalf of the entire team at LPL,” exclaimed Julian Lopez, LPL’s executive vice president of Independent Advisor Services Relationship Management. “This award showcases his dedicated efforts in guiding his clients towards financial success, especially during times of economic uncertainty and global challenges. LPL remains steadfast in our commitment to supporting ambitious advisors like Jason, equipping them with cutting-edge investment solutions, advanced technology platforms, and extensive resources to provide unparalleled service and experiences for their clients.”
Jason has 26 years of experience in the financial services industry and provides a full range of financial services for individuals, families and business owners; including retirement and financial planning, individual money management, individual stocks and bonds, alternative investments, mutual funds, annuities and more.
Zamora is a financial advisor affiliated with LPL Financial, a leading wealth management firm that supports financial advisors—whether they work as independent business owners, with an RIA firm or in a financial institution—so they take care of their clients and run a thriving business.
About LPL Financial
LPL Financial Holdings Inc. (Nasdaq: LPLA) was founded on the principle that LPL should work for advisors and institutions, and not the other way around. Today, LPL is a leader in the markets we serve, serving more than 22,000 financial advisors, including advisors at approximately 1,100 institutions and at approximately 570 registered investment advisor firms nationwide. We are steadfast in our commitment to the advisor-mediated model and the belief that Americans deserve access to personalized guidance from a financial professional.
At LPL, independence means that advisors and institution leaders have the freedom they deserve to choose the business model, services and technology resources that allow them to run a thriving business. They have the flexibility to do business their way. And they have the freedom to manage their client relationships because they know their clients best. Simply put, we take care of our advisors and institutions, so they can take care of their clients.
Securities and Advisory services offered through LPL Financial LLC (“LPL Financial”), a registered investment advisor. Member FINRA/SIPC. LPL Financial and its affiliated companies provide financial services only from the United States.
*The Forbes Best-In-State Wealth Advisor ranking, developed by SHOOK Research, is based on in-person and telephone due diligence meetings and a ranking algorithm that includes: client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK Research receives a fee in exchange for rankings.
Throughout this communication, the terms “financial advisors” and “advisors” are used to refer to registered representatives and/or investment advisor representatives affiliated with LPL Financial.
LPL Financial, Forbes, SHOOK Research and Live Oak Investors are all separate entities.
This award does not evaluate the quality of services provided to clients and is not indicative of this advisor’s future performance. Neither LPL Financial nor the advisors pay a fee to Forbes in exchange for inclusion in the Best-in-State Wealth Advisors list.
We routinely disclose information that may be important to shareholders in the “Investor Relations” or “Press Releases” section of our website.
Media.relations@LPLFinancial.com
(402) 740-2047
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Behavioral Coaching
By: Kara George
Jason Zamora’s vision for Live Oak Investors was to create a private wealth management group providing customized and personalized financial services. A group based on the principles of trust and commitment to a successful financial future. A place where clients would feel at home with an advisor they could trust. Zamora has successfully created this atmosphere 25 years later by applying principles from his own childhood and hometown experiences.
After graduating from Incarnate Word Academy in 1994, Zamora left his hometown of Corpus Christi to pursue an education in finance. Attending St. Mary’s University, he majored in corporate finance with a minor in accounting. Directly upon graduation, he went to work for New York Life Insurance companies at the age of 22. After three years, Zamora became the youngest advisor to be promoted to partner with New York Life. Now responsible for recruiting and developing, Zamora began to miss the one-on-one interaction he previously had with his clients.
“If I was going to make it or break it in this business, I wanted to do it myself,” Zamora said. At the age of 28, he established Live Oak Investors and reconnected with his passion for financial planning.
His excitement for helping others with their financial futures stemmed from his youth experiences. “My mom was a single parent, and I knew there was a lot of luck involved with me having the lifestyle I did as a kid, Zamora said. “I wanted to take the luck out of someone being financially fit. When helping families with children, I don’t want them to be able to go to college by accident. I want it to be more calculated and planned out.”
Today, Zamora applies these beliefs to his business and expresses the importance of a plan to his clients, encouraging them to not base their financial future on luck alone.
Casper Wenzel, a retired IWA basketball coach, also played a key role in shaping Zamora’s business beliefs. Wenzel’s words of wisdom, “You don’t stay the same; you either get better or worse” still resonate with Zamora as he strives for growth, both personally and professionally, each day.
“You realize later on they are teaching you more about life rather than sports,” Zamora said of Wenzel. Taking these key principles he learned from his hometown heroes, Zamora has been able to help others and expand Live Oak Investors.
Recently, Zamora has been able to connect his present and his past with his true passion by expanding Live Oak Investors back to his hometown. About 90 percent of Zamora’s business is now based in the Hill Country and South Texas area.
“It’s ironic to have left Corpus, and now have found my way back,” Zamora said. Returning to his hometown, Zamora has built a strong connection with the retirement community, “The fact that I can help retirees with their retirement planning needs so close to home has been what I thrive on,” he said.
Zamora’s team at Live Oak Investors helps clients feel at home by building a trusting rapport and putting clients’ goals first. “Being the largest isn’t the most important thing to me; it’s about being recognized for exceptional client service,” Zamora said. “It’s not about getting attention; it’s about attention to detail.”
He believes as a fiduciary he should be readily accessible to clients when needed, whether it is for business or personal tasks. Zamora understands that many investors have anxiety when it comes to financial planning and retirement, which is why he believes delivering a customized plan and performance is key.
“When I look around and see my wife and children, it motivates me to do my best and perform in a way that will enable other families to solidify their future for those that they love so much!”
For more information on Live Oak Investors, visit www.liveoakinvestors.com or contact the team directly at 830-331-1113.
[Boerne, Texas July 21, 2023] – Revolution Wealth Management has joined Live Oak Investors – two respected financial advice firms serving the greater Texas market, are announcing the forming of a powerhouse partnership that will deliver exceptional wealth management and advisory services to clients across the state. The combined firms will operate under the name Live Oak Investors – Private Wealth Management.
With a shared commitment to providing comprehensive financial solutions and exceptional client experiences, Live Oak Investors and Revolution Wealth Management bring together their expertise, resources, and talented teams to create a leading force in the financial advisory industry. The merger is set to strengthen their market presence and enhance the range of services offered to their valued clients.
With over 150 years of experience combined, and a dedicated vision of managing generational wealth, Live Oak has further solidified their position as a trusted partner in the wealth management industry. Additionally, Live Oak Investors will proudly serve 1,300 households, providing tailored financial strategies to meet their unique needs and goals.
“We are excited to join forces with Revolution Wealth Management and embark on this new chapter together,” said Jason Zamora, Founder and President of Live Oak Investors. “By merging our firms, we can leverage our shared expertise and resources to offer an even higher level of service and value to our clients. Together, we will be better positioned to navigate the ever-changing financial landscape and provide innovative solutions to help our clients achieve their financial objectives and retire with confidence.”
The merger brings together a talented team of financial advisors, portfolio managers, and client service professionals who are dedicated to upholding the highest standards of excellence and integrity. With a client-centric approach, Live Oak Investors will continue to deliver personalized financial advice, retirement planning, investment management, and estate planning services, among others, to individuals, families, and businesses throughout Texas.
“We believe that this merger will be highly beneficial to our clients,” said Holly Hagle, of Revolution Wealth Management. “By combining our expertise and resources, we will have the capacity to offer an expanded range of services, advanced technology platforms, and a deeper bench of experienced professionals. This positions us to better serve our clients’ evolving needs and helps them pursue their financial goals with confidence.”
For additional information or inquiries, please visit:
Or call:
Phone: 830-331-1113
Email: j.zamora@lpl.com
About Live Oak Investors:
Live Oak Investors – Private Wealth Mgmt is a leading financial advice firm serving the Texas Hill Country and the greater South Texas market. With a client-centric approach, Live Oak Investors offers comprehensive wealth management services, including financial planning, investment management, retirement planning, estate planning, and more. By delivering personalized strategies and exceptional service, Live Oak Investors helps clients pursue their financial goals and build a secure future.
About Revolution Wealth Management:
Revolution Wealth Management is a prominent financial advisory firm with a strong presence in Texas. Committed to delivering exceptional client experiences, Revolution Wealth Management provides comprehensive wealth management services, retirement planning, investment management, and tailored financial strategies to individuals, families, and businesses.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).
Retirement is a major goal many workers keep their eye on throughout their career.
However, once people actually reach retirement age, they are often in store for some financial surprises — despite decades of preparation.
Saving for retirement is one of those pursuits that can be hard to wrap your head around. After all, how many other life milestones require decades and decades to come to fruition? Since so much time and preparation goes into it, though, it’s extra important to take care that you’re avoiding the top retirement planning mistakes that financial planners see all the time.
When others were looking for the exits during Tuesday’s selloff, many retail investors saw an entrance to more future gains — but what were they stepping into?
Like many current and future retirees, we are eyeing our investment accounts daily, worrying how seriously the current market losses and global economic upheavals might erode the savings we’ve projected to see us through our remaining years.
We weathered the volatility of the 2007-09 recession, so we have had experience with a devastating market downturn turning into a robust market rebound. But that was a dozen years ago, when we felt we had enough time and employment income to help us recover any losses. Now, with our income reduced to payments from Social Security, a few pensions and returns on investments, we haven’t been feeling as confident.
When I called our adviser, I needed reassurance.
With the first half of the year behind us, now is a good time for a quick, midyear financial check-in. Knowing that you have places to be and people to see this summer, let’s get right to assessing if you’re on course to realize your financial goals or need to pivot in order to do so.
Read More
Will the bear market inflict a bigger bite on retirees than younger investors? Not necessarily, experts say, as the duration of the average bear market is measured in months and retirees who are able to stay the course should be able to recover losses.
With everything going on in the world, it can feel selfish — even petty — to be worrying about your 401(k) and IRA accounts right now.
There’s an important reminder for investors to keep in mind when the markets are volatile
Talk of a recession is heating up, with Wall Street veterans flagging the rising risks of a downturn — and offering advice on how to invest during this cycle.
Market ups and downs can keep retirees on edge, worried about potentially big losses from which they may never be able to recover.
And those worries aren’t necessarily misguided. From 1928 through March 2022, there have been 26 “bear markets.” A bear market is a market decline greater than 20% that lasts at least two months. The average bear market decline since 1928 has been 35.62%, so the potential for big losses is real.
After rebounding from the short-lived pandemic recession, the U.S. economy has faced multiple threats in 2022, sparking investor fears of a prolonged downturn.
Social Security is a critical source of income for many retirees, but the size of your monthly payment changes based on when you start receiving your benefits.
The global pandemic, war in Ukraine and other world events have contributed to wild swings in the stock market. Retirement savers have seen both tremendous gains and precipitous losses in their 401(k) investments over just the past two years.
A steep drop in the stock market can be particularly devastating to retirees, who have few options to replace their depleted life savings. But there are a variety of ways for retirees to prepare for and cope with stock market declines so that their day-to-day income needs continue to be met, regardless of market conditions. Here’s how to protect yourself from stock market risk in retirement:
