Asset Mentors

Providing you with the tools and information to make financial decisions and plan for retirement

08/26/2026

Five major "best states to retire" studies came out this year. They landed on four different winners.

Wyoming topped two rankings.

Florida, Iowa, and New Hampshire each topped one of their own.

Wyoming ranked #1 overall in one study and 33rd for healthcare in the same one.

The lesson isn't which state wins. It's that "best" depends entirely on which factors matter most to you.

08/24/2026

Long-term care costs are now rising faster than the income most retirees have to pay for them.

Home care costs jumped 7.9% in the past year alone, up 39% since 2021. A moderate 30 hours a week of home care now costs roughly what the average older adult earns in an entire year.

If long-term care isn't part of your retirement plan yet, the math is getting less forgiving every year you wait.

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08/20/2026

Retirees are feeling the impact of AI on their retirement right now, not someday.

29% of current retirees say AI-driven changes to the workforce have already negatively affected their retirement, up from 20% just last year.

Among younger workers still saving, the number is even higher: up to 63% of Gen Z and Millennials expect AI to hurt their eventual retirement. Whatever your timeline, this is officially a mainstream retirement worry, not a fringe one.

08/18/2026

Nearly 3 in 10 adults over 25 are currently unpaid caregivers, and it's quietly draining their ability to save for their own retirement.

Caregiving retirees report the biggest financial hit to their emergency savings specifically, ahead of other budget categories.

If you're caring for a parent or spouse right now, it's worth treating your own retirement savings as a line item that needs active protection, not something that just keeps running in the background.

08/14/2026

Retirement confidence just dropped for both workers and retirees, and the reasons are consistent across every income level.

Worker confidence in having enough to retire comfortably fell to 61% this year, down 6 points. Retiree confidence fell to 73%, down 5 points.

The drivers: inflation, healthcare costs, and growing uncertainty about Social Security and Medicare.

Whatever's driving that number for you personally, it's worth checking whether your current plan actually accounts for it.

08/12/2026

Most people don't choose when they retire.

According to research from Allianz, 42% of Americans retire earlier than they planned, often because of health issues, layoffs, or family circumstances.

Retiring even a few years early can mean fewer years to save, more years relying on your investments, and a longer retirement to fund.

You may not control when retirement begins. But you can prepare for the possibility that it arrives sooner than expected.

08/10/2026

The middle of the year is a practical time to take stock of where your finances stand and whether any adjustments make sense before December.

A few things worth reviewing:

Your retirement account contributions: are you on pace to hit your annual limit? For 2026, the 401(k) contribution limit is $23,500, with a $7,500 catch-up for those 50 and older, and a $11,250 super catch-up for those aged 60-63.

Your investment allocation: market swings in early 2026 may have shifted your portfolio mix away from your original target. A mid-year review is a good opportunity to rebalance if needed.

Your cash reserves: liquidity in retirement is almost as important as how much your nest egg is worth. Most financial guidance suggests keeping 12 to 24 months of living expenses in easily accessible accounts.

None of these require major changes. A mid-year checkup is about making sure your plan is still tracking the way you intended.

08/06/2026

67% of investors say they're more worried about outliving their savings than dying. That's not a fringe concern; it's the majority view of people approaching retirement.

The math backs it up. The median 401(k) balance at year-end 2025 was $44,115. At a standard 4% withdrawal rate, that's roughly $147 a month.

Social Security and pension income close much of that gap for many retirees. But for households with limited savings, the margin for error is thin, and healthcare costs only accelerate with age.

Knowing what you have, what you can reliably withdraw, and how long it needs to last is the foundation of any retirement income plan.

08/04/2026

Most people underestimate how long they'll live in retirement, and that miscalculation can quietly undermine an otherwise solid financial plan.

U.S. life expectancy reached a record 79.4 years in 2025. But Americans who reach age 65 can expect to live about 19 to 20 more years, well into their mid-80s.

The Society of Actuaries estimates that a couple both reaching age 65 has a 50% chance that at least one spouse will live to age 93.

A retirement plan built around a 20-year horizon looks very different from one built around a 30-year horizon. The longer the runway, the more important it is that income sources, investment strategy, and withdrawal rates are calibrated to last.

Longevity risk — the risk of outliving your money — is one of the most underappreciated financial risks in retirement. Planning for it isn't pessimistic. It's practical.

07/31/2026

The cheapest state to retire in isn't always the best bargain.

Mississippi ranks about 17% below the national average for cost of living, but affordability isn't everything. Four of the five least expensive states also rank near the bottom nationally for healthcare quality.

States like South Dakota, Iowa, and Nebraska offer a better balance of affordability and healthcare, making them a stronger long-term value for many retirees.

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