by Ralph Bender, MBA, CFP® | Retirement
On many a morning run, I see hot air balloons drifting across the valley. They’re a common sight before 9 AM, rarely later. Once the ground heats up, conditions become too turbulent for safe flight. The pilots know their window. You’re facing a similar...
by Ralph Bender, MBA, CFP® | Kids and College
The federal student loan system just got its biggest overhaul in decades. H.R.1, the “One Big Beautiful Bill Act,” creates a new landscape where borrowers get stronger protections against runaway interest and clearer repayment options. The centerpiece is...
by Ralph Bender, MBA, CFP® | Health, Healthcare
Movement is medicine, and you needn’t worry about getting the approval of some federal agency, or about the negative long-run impact of hidden ingredients. Financially, it’s a bargain! And here’s what makes it such a bargain: it’s not just...
by Ralph Bender, MBA, CFP® | Featured – Blog, Taxes
Strategic Year-End Planning for Business Owners As December approaches, business owners face their most critical tax planning season. With the One Big Beautiful Bill Act’s provisions taking effect and expanded depreciation windows still available, the next 60...
by Ralph Bender, MBA, CFP® | Health
Medicare Enrollment Guide: Essential Decisions for New Enrollees If you’re nearing age 65, understanding Medicare is crucial for avoiding penalties and making informed healthcare decisions. While Medicare enrollment is essentially mandatory, you have important...
