Lyskin Financial Advisory

10/09/2026

Credit card debt can take years to pay off when high interest keeps adding to the balance. A few changes can shorten the timeline and reduce what you pay overall.
• Pay more than the minimum: Increasing your monthly payment can cut years off your payoff timeline and significantly reduce interest costs.
• Consider a balance transfer card: A 0% introductory offer may give you 12 to 18 months or more without interest on the transferred balance, but compare fees and terms first.
• Stop new charges: Continuing to spend on the same card while paying it down can cancel out your progress.
• See how different payment strategies can change your payoff timeline:

Credit card debt payoff timeframes depend on your balance and interest rate, but paying more than the minimum each month is always recommended.

10/02/2026

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:

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.

09/03/2026

Don't let your college graduate leave free money on the table. A simple chat about 401(k) matches, Roth IRAs, and automating small savings sets them up for life. Learn how to start the conversation and guide your new grad with confidence. https://bit.ly/4xYnOYi

08/27/2026

Skipping a bank account beneficiary could leave your money tied up in probate when loved ones need it most. Naming one can help funds pass directly to them and typically takes precedence over what your will says. See how to choose the right beneficiary:

What happens to the money in your bank accounts when you die? Hopefully, it goes to a loved one who needs it. Naming a bank account beneficiary ensures that happens. Here's what to know about bank account beneficiary rules.

08/21/2026

Is financial advice from AI reliable? New research found significant differences across major platforms, including some biased or inaccurate guidance. See what to consider before trusting AI with your money:

Researchers who studied generative AI platforms found that personal finance recommendations could be inconsistent or biased.

07/31/2026

An inheritance doesn’t automatically mean you’ll face a tax bill. Estate tax is generally paid from the deceased person’s assets before distribution, while inheritance tax is paid by the recipient and exists in only five states. See which rules may apply:

Estate tax and inheritance tax are both often referred to as "death taxes," but they aren’t the same when it comes down to who pays.

07/23/2026

Headlines moved markets in the first half of 2026, but strong earnings provided support. Geopolitics, AI spending, Fed policy, and broader diversification may shape what comes next. Explore key themes to watch in the LPL 2026 Midyear Outlook:

What's in store for markets? Commonwealth's Chris Fasciano provides analysis and insight as we head into the second half of the year.

07/16/2026

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.

Reframing splurges as "intentional reallocation" of money can help you overcome spending anxiety and enhance your quality of life. Here are some suggestions.

07/09/2026

Did you know 3 of 4 financial apps share your personal data with third parties? This alarming trend puts your sensitive information at risk of theft and misuse by cybercriminals. Learn how to protect yourself and choose safer apps to manage your money:

Americans increasingly use financial apps to manage their money, but they need to take steps to keep their data away from cybercriminals. Here's how.

06/26/2026

Living together but not married? Proper planning now can protect and ensure your wishes are honored.
• Update beneficiaries on all accounts
• Create a will that names your partner
• Establish financial & medical POAs Learn the 3 documents every unmarried couple needs now.
Don’t let the courts decide—click to learn how to protect your partner. Source:

For the 9.5 million U.S. households headed by unmarried couples, a partner's death wouldn't come with the 'automatic safety net' that their married peers get.