Retirement Planning

No, Medicare won’t cover years of care, here’s the real risk No, Medicare won’t cover years of care, here’s the real risk. Look, I get it: we all pay into Medicare for decades and assume it’s the safety net for everything. It’s not. Here’s the thing, Medicare is built for skilled and acute care after an event (think a hospital stay, short-term rehab, home health with a skilled need). It does not cover ongoing custodial care like help with bathing, dressing, eating, or dementia supervision. That day-in, day-out help is exactly what drains portfolios, and it’s the part people confuse…

From “set-it-and-forget-it” to “FX matters now” Look, the old playbook was simple: a U.S.-only 60/40, rebalance once a year, call it a day, and maybe argue about small-cap value at Thanksgiving. That worked when your portfolio, and your life, were mostly dollar-denominated. But retirement planning in 2025 isn’t living in that world anymore. Most portfolios, even the autopilot ones, touch foreign markets. That means currencies sneak into your returns, your withdrawal math, and occassionally your taxes. Not to be dramatic, but FX isn’t a niche trader toy, it’s now part of the basic toolkit. Here’s the thing: modern default products…