Most retirement conversations are about saving enough. Today we're talking about the other side of that. What happens when you've saved, you're there, and you still can't bring yourself to spend it? It's more common than people admit. And it can quietly rob you of the retirement you worked so hard to build.

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Website: https://www.estesfinancial.net/

Call: 817-444-8402

Nobody likes tax season. But for new retirees, it can come with a few unwelcome surprises. The rules have changed, the income sources have shifted, and strategies that made sense during your working years may no longer apply. Today, we're looking at some of the biggest tax mistakes retirees make, as discussed in a recent Kiplinger article, and whether these match what we see in the real world.

Important Links:

Website: https://www.estesfinancial.net/

Call: 817-444-8402

Some people love a thunderstorm. Others panic when the clouds roll in. Today, we’re talking about risk tolerance through the lens of weather. There’s nothing wrong with having different reactions to the same events. But pretending you’re someone you’re not? That can get expensive.

Important Links:

Website: https://www.estesfinancial.net/

Call: 817-444-8402

What’s new in 2026 for retirees & pre-retirees? From Social Security and Medicare to tax breaks and retirement contributions, this year brings several updates that could quietly impact your cash flow, taxes, and savings strategy.

Important Links:

Website: https://www.estesfinancial.net/

Call: 817-444-8402

Before you rewatch White Christmas this season, remember that buried in the songs and snowstorms are some surprisingly good retirement lessons. Let’s pull a few gems from Bing Crosby and the gang.

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Website: https://www.estesfinancial.net/

Call: 817-444-8402

From the Macy’s parade to carving the turkey, Thanksgiving traditions can teach us a lot about what makes a great financial plan. Let’s match some of the most loved parts of the holiday with the money lessons they represent.

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Website: https://www.estesfinancial.net/

Call: 817-444-8402

Fidelity just released their 2025 Retiree Health Care Cost Estimate. The number is staggering: $172,500 for a 65-year-old retiring today. The bigger problem? One in five Americans haven’t even thought about health care costs in retirement. Today we’ll break down what this means, why it matters, and how to prepare.

Important Links:

Website: https://www.estesfinancial.net/

Call: 817-444-8402

Think Medicare is free once you hit 65? Not quite. If your income’s too high, there’s a hidden surcharge that can quietly shrink your Social Security check by thousands a year. It’s called IRMAA. And most people don’t see it coming. Let’s break down who’s impacted and how to avoid it.

Important Links:

Website: https://www.estesfinancial.net/

Call: 817-444-8402