LifeTime Asset Management

Aging without a spouse or children can make estate planning especially important. It is not only about who inherits, but who will make financial, legal, and medical decisions if you cannot.

👥 Look beyond immediate family: Trusted friends, nieces, or nephews may be able to serve as power of attorney, healthcare proxy, or trustee.
💼 Consider professional help: Lawyers, banks, and trust companies can handle some financial and legal roles, while medical decisions often require a personal connection.
⏰ Plan before a crisis: Without documents in place, a court may choose who manages your affairs.

Learn how solo agers can build a reliable support network and keep more control over future decisions: https://bit.ly/3Rh1cTz

Oil prices kept markets on edge in July, while consumer spending and business investment pointed to economic growth. Could Middle East tensions or the midterm elections bring more volatility? Watch the latest Market Thoughts video from Commonwealth: https://bit.ly/3U14MSx

Market Thoughts for August 2026 [Video] July was a mixed month for markets, but will August be more of the same? Find out in our latest Market Thoughts video from Commonwealth's Chris Fasciano.

Would five more years of work strengthen your retirement, or take time away from what matters most? Consider both the financial benefits and the personal tradeoffs before deciding.

💰 Review the numbers: Working longer may increase savings, Social Security benefits, and access to employer health coverage.
❤️ Consider your quality of life: Health, job stress, caregiving needs, and time with loved ones can matter just as much as finances.
🚦 Find your zone: Determine whether retiring now would require major changes, a few adjustments, or none at all.

See which factors can help you decide whether to retire now or keep working: https://bit.ly/4pO0GJt

Is Working 5 More Years Worth It? Here’s What the Math (and Your Health) Says Retiring now is tempting, but five extra years of work offer major perks. Here is how to weigh the health and financial trade-offs.

Estate planning may feel stressful to start, but leaving important decisions unresolved can create even more worry. A complete plan can provide greater control, clarity, and guidance for loved ones.
🧠 Reduce uncertainty: Decide who will manage your finances, make healthcare choices, and carry out your wishes.
📄 Cover the essentials: A will, trust, power of attorney, and healthcare documents can answer important “what if” questions before a crisis.
👨‍👩‍👧 Ease the family’s burden: Clear instructions can reduce confusion, disagreements, and the pressure to guess what you would have wanted.
Learn how to begin the process and talk with your family about your plans: https://aol.it/4hDbqrU

Did you spot a small charge, such as 37 cents, on your statement? That unexplained "phantom payment" is a scammer testing if your account is active before making larger, fraudulent withdrawals. Learn how to spot this warning sign and protect your money: https://bit.ly/dskjiTu

‘Phantom payments’ are the first warning sign you’re being targeted by scammers Notice a strange bank account charge? It might be a phantom payment. Here’s how scammers use them and how you can detect bank fraud early.

Turning 59 isn’t just another birthday. It can be one of the last opportunities to meaningfully boost retirement savings before the focus shifts from accumulating money to using it wisely.

* Know where you stand: Benchmarks can help, but your real target depends on spending, health care, Social Security, and lifestyle goals.
* Use catch-up options: Higher contribution limits can help late-career savers make the most of peak earning years, especially before retirement begins.
* Plan for withdrawals: Staying invested, building a cash buffer, and timing Social Security can all affect how long savings last.
See what financial advisors say to review in the years just before retirement: https://bit.ly/4xfOtRb

How Your Retirement Savings at 59 Stack Up Against Expert Targets and National Averages Age 59 can be a key turning point, when the focus shifts from building savings to planning withdrawals. See how your retirement nest egg compares to others this age.

You worked hard to save for retirement, now it's time to enjoy it. Learn how small investments in travel, hobbies, technology, and social connections can deliver lasting rewards. Read about 5 lifestyle upgrades. https://bit.ly/4vz3VpC

5 Retirement Lifestyle Upgrades That Cost Less Than You Think Reframing splurges as "intentional reallocation" of money can help you overcome spending anxiety and enhance your quality of life. Here are some suggestions.

Most people plan carefully for retirement finances, but not always for how they’ll spend their time. Around year three, after the travel, projects, and long-delayed plans slow down, the real adjustment can begin.

• Expect the third-year shift: The first two years often stay busy. After that, many retirees may need a new sense of structure and purpose.
• Ask better questions: What brings you joy? Would volunteering, part-time work, or learning something new feel fulfilling?
• Plan for the long game: With retirement potentially lasting decades, it helps to think about goals for the next 5, 10, or even 20 years.

See how building a post-career routine early could help you create a more fulfilling next chapter: https://bit.ly/42ZyNDJ

Create a Fulfilling Retirement Routine to Avoid the Common Third-Year Slump Many retirees struggle with a “third year slump” after the excitement of early retirement fades, but creating a meaningful routine can improve happiness and longevity.

June markets were mixed: weakness in the Magnificent Seven offset by gains in the Dow and Russell 2000, supported by strong jobs data and consumer spending. The big question remains—what’s next for inflation?

Market Thoughts for July 2026 [Video] June was a mixed month for markets, as a sell-off in big tech dragged down equities. So, what's ahead? Watch our latest Market Thoughts video for more.

Every year, AdvisorHub creates a list of advisors with sophisticated practices, great growth and a commitment to professionalism. The 400 advisors named on the assets under $1 billion list represent efficient and productive teams. We're proud for both Matt Glova & John Puckett to be named to this list for 2026. Read more here. https://lifetimeasset.com/advisorhub2026/