The Erskine Group

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The Erskine Group Planning with purpose. Growing with grace. Wealth management and financial planning tailored for your life. Didine M.

Proudly independent, supported by LPL Financial.
📍College Station, TX | 📅 Book at theerskinegroup.net Erskine, CFP®
Financial Planner, Founder
The Erskine Group, LLC
Securities offered through LPL Financial, Member FINRA/SIPC.

10/18/2026

It could be a lot worse.

10/18/2026

Profiting from time horizon arbitrage. Why having a long-term horizon is you best edge and how to exploit others short-termism.

10/18/2026

Explore how the Great Wealth Transfer could leave more women inheriting family businesses and the choices and responsibilities that come with ownership.

10/17/2026

What happens if, after careful analysis, it looks like you might fall short of reaching your retirement goal?

10/17/2026

A government proposal would help fund managers sell alternative investments to a wider audience

10/17/2026

America may be richer than ever on paper, but in an economy built increasingly on intangibles, prosperity can still feel strangely hard to hold onto.

10/16/2026

Although more workers indicated a lower level of retirement confidence in 2026, certain groups appear to be at higher risk than others.

💰 Financial Fun Fact Friday | The $5 Million Retirement ProblemImagine working 30 years to build a business worth $5 mil...
10/16/2026

💰 Financial Fun Fact Friday | The $5 Million Retirement Problem
Imagine working 30 years to build a business worth $5 million. You've poured your heart, time, and money into making it successful. You're finally ready to retire. Sounds like you've got it made, right?

Well, not necessarily! 👀

Here's something many business owners don't think about until they're approaching retirement. Being wealthy on paper doesn't mean you have money available to spend. Maybe most of your wealth is tied up in the business. Maybe you've spent years reinvesting profits instead of building retirement savings. Or maybe the business simply can't operate without you.

And here's the big question:
If you stopped working tomorrow, would your business still be worth $5 million? That's why exit planning is about more than finding a buyer. It's about understanding what your business is worth, what you could actually walk away with after taxes and expenses, and whether those proceeds can support the retirement you envision.

Last week, we talked about IRC §1042 and one potential tax-deferral strategy for qualifying business owners. This week, we're taking a step back. Because before deciding how to sell your business, you need to understand what you're selling it for.

🌱 The takeaway?
Building a successful business and building a successful retirement aren't necessarily the same thing.
Proper planning gives you choices.
💬 Business owners, is your business part of your retirement plan, or is it your entire retirement plan?

10/16/2026

Many caregivers for older loved ones are stuck in a painful dilemma: They're willing to put their financial security at stake to care for loved ones today, but that leaves them at risk of being a burden on their families later on as they age.

🧠 Thought-Provoking Thursday: What Can a Supernova Teach Us About Investing?Okay, here's something that absolutely fasci...
10/16/2026

🧠 Thought-Provoking Thursday: What Can a Supernova Teach Us About Investing?
Okay, here's something that absolutely fascinated me! Astronomers recently observed a supernova in a galaxy approximately 40 MILLION light-years away! 🤯

That means the explosion we're seeing today actually happened around 40 million years ago. We're literally watching history! And naturally, my financial planner brain started making connections. 😂

Think about economic reports.
When we hear that GDP grew, unemployment increased, or the economy entered a recession, we're often receiving information about something that has already happened.

But here's where it gets interesting.
Financial markets don't necessarily wait for the official announcement.
Investors are constantly adjusting their expectations about what comes next.
So by the time economic reports confirm a recession, markets may have already reacted. And sometimes, markets begin recovering while the economic news still looks terrible!

That's why trying to time investment decisions around economic headlines can be so challenging.

🌱 The takeaway?
We can't predict the future, but we can prepare for uncertainty. And perhaps more importantly: The danger isn't looking backward. It's assuming the future will wait for us to catch up.

💬 Isn't it fascinating how something happening millions of light-years away can teach us something about financial markets?

Address

1716 Briarcrest Drive Suite 328
Bryan, TX
77802

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

Telephone

+19799697777

Website

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