All Posts

Wellness Loudoun is seeking compassionate individuals to become SMART Recovery facilitators and help expand access to evidence-based, self-empowering substance use recovery support in our community.

Think your savings account is on track? A simple rule — and a quick reality check about inflation — might completely change how you plan your investment goals.

By Thomas R. Kestler Pretty abrupt, huh? We’re all going to die, and we never know how much sand is left in the hourglass. If your sand ran out tomorrow, would you be leaving a mess for your family? In an earlier article I discussed the need for life insurance which provides instant liquidity in the event of a premature death. Life insurance, however, is just the tip of the iceberg. What happens to the rest of your “stuff” after you die? The role of estate planning is to simp

Life insurance decisions depend on knowing how much coverage you actually need—which changes over life stages—because getting the right amount matters far more than the policy type, with term and permanent options best used strategically as needs rise and fall over time.

The article reveals “the rest of the story” behind financial marketing claims by showing how advisors still profit even when clients lose money and how some firms avoid certain products not because they’re bad for clients, but because they reduce the firm’s fees.

Failing to regularly review and update beneficiary designations—especially after major life changes—can override your will, unintentionally disinherit loved ones, and cause serious financial and emotional harm.

A tempting $400-a-month “savings” from a 50-year mortgage could actually cost you hundreds of thousands more—and keep you paying well into retirement.

Feeling paralyzed by market swings? Learn how dollar-cost averaging helps you invest with confidence—and why the strategy that builds wealth can become risky if you don’t plan carefully for retirement withdrawals.

By Thomas R. Kestler There are about 76 million baby boomers (Born between 1946 and 1964) in the United States. Today the “boomers” are between 61 and 79 years old, and as they have marched into retirement, they have created an increasing strain on the Social Security trust fund. This is because there are an increasing number of recipients, there are fewer wage earners paying into the system. This is of little concern for those at or near retirement. However, future generat