Retire Smart Utah

08/20/2026

Do you trust Social Security to fund your retirement?

Current estimates say the money could run dry in as few as six years. Planning now ensures you can maintain your lifestyle in retirement, even if government paychecks get slashed.



This content is not endorsed by or affiliated with the Social Security Administration or any U.S. government agency

08/13/2026

It’s typically recommended individuals keep enough cash to cover 3-6 months of expenses for emergencies.

Beyond that, the size of your cash reserves should be based on your individual needs and risk tolerance.

Check out some of the pros and cons of cash.
https://www.investopedia.com/terms/c/cash-reserves.asp



The following link/content may include information and statistical data obtained from and/or prepared by third-party sources that Foundations Investment Advisors, LLC (“Foundations”) deems reliable but in no way guarantees its accuracy or completeness. Foundations had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the views or opinions of Foundations. Nothing herein constitutes investment, legal, or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Foundations, ex*****on of required documentation, and receipt of required disclosures. All investments involve risk, and past performance is no guarantee of future results.

This is a comprehensive evaluation designed to gauge your preparedness for one of life's most significant transitions.

08/10/2026

Keeping up with the markets can feel like a full-time job.

The good news? It doesn't have to be.

Watch Retire Smart Utah for conversations that help make today's financial topics easier to understand.

08/08/2026

In 1983, it was decided to raise the full retirement age from 65 to 67.

Forty-two years later, we’re in the final year of phasing in that legislation. Yet questions about Social Security’s stability still remain.

What changes can we expect to see next? https://ow.ly/uAH250ZnUOB



The following link/content may include information and statistical data obtained from and/or prepared by third-party sources that Foundations Investment Advisors, LLC (“Foundations”) deems reliable but in no way guarantees its accuracy or completeness. Foundations had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the views or opinions of Foundations. Nothing herein constitutes investment, legal, or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Foundations, ex*****on of required documentation, and receipt of required disclosures. All investments involve risk, and past performance is no guarantee of future results.
This content is not endorsed by or affiliated with the Social Security Administration or any U.S. government agency.
This is not endorsed by or affiliated with Medicare or any U.S. government agency.
We do not offer every plan available in your area.
For information about all available options, visit https://ow.ly/AUpY50ZnUOA or call 1-800-MEDICARE.
Comments regarding safe and secure investments or guaranteed income streams refer only to fixed insurance products and not investment advisory products.
Insurance guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company.
They are not guaranteed by any bank or the FDIC.

Social Security and Medicare trust funds, which help pay benefits, are projected to outspend their surpluses. What happens when the safety net faces a shortfall?

08/06/2026

Your retirement dreams aren’t based on a template; your financial plan shouldn’t be either.

Every strategy 5 Wealth Management creates is fully customized based on each client’s specific wants and needs.

08/05/2026

Investment advisory services offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser.

07/27/2026

What do you do when a spouse’s stream of income suddenly goes away?

Ed and Marc are well-versed in creating guaranteed sources of income to supplement your household’s Social Security and pension distributions.

07/22/2026

When a spouse passes away, financial stability should be the last thing on your mind.

At 5 Wealth Management, we include both spouses in all planning conversations so that unfortunate circumstances don’t sink your savings.

07/20/2026

Ready for the next chapter?

Whether you prefer to learn on the page or the screen, Ed and Marc have plenty of helpful resources to help you confidently close the book on your career.

07/15/2026

Losing a spouse is hard enough.

To make matters worse, becoming a single filer often bumps the surviving spouse up to a higher tax bracket. Proactive estate and tax planning helps keep your finances stable in uncertain times.