October 2025

The thought of early retirement is very alluring, especially when retirement is so close you can easily envision it. But early retirement is not unlike the Song of the Sirens. It can pull you into the rocks or sail you through a shortcut to happiness that you likely richly deserve after a life spent working hard.

The end of the year is a natural checkpoint for both individuals and small business owners. It’s when financial records should get reviewed, budgets get tightened, and people start thinking about how to position themselves for the year ahead.

The rising cost of college has become one of the most pressing financial challenges for families. Parents want to give their kids the best opportunities, yet tuition bills can rival a mortgage. Even students who work part-time or earn scholarships often come up short. Covering tuition isn’t about finding one magic solution.

A good credit score can open doors to better interest rates, easier loan approvals, and even lower insurance premiums. On the flip side, a weak score can hold people back financially, making everyday decisions like buying a car or refinancing a home more difficult. Many clients know they should aim higher, but the question is how.