Bookman Bright Consulting, Inc.

10/08/2026

This past Teaching Tuesday, we discussed how Social Security can be an important part of your retirement income, but deciding when and how to claim your benefits is not always straightforward.

A few things worth understanding before you make the decision:

𝐂𝐥𝐚𝐢𝐦𝐢𝐧𝐠 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬: The age you begin receiving benefits can affect the amount of income you receive over time.⁣
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𝐒𝐩𝐨𝐮𝐬𝐚𝐥 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬: Your Social Security strategy may involve more than just your own work record. Understanding spousal benefits can be an important part of the conversation.⁣
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𝐓𝐢𝐦𝐢𝐧𝐠 𝐦𝐚𝐭𝐭𝐞𝐫𝐬: There isn’t one claiming age that works for everyone. Your retirement income needs, other assets, health considerations, and long-term goals can all play a role.⁣
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𝐀𝐯𝐨𝐢𝐝𝐢𝐧𝐠 𝐜𝐨𝐦𝐦𝐨𝐧 𝐦𝐢𝐬𝐭𝐚𝐤𝐞𝐬: Claiming without considering how Social Security fits into your broader retirement income plan can lead to missed opportunities or unexpected consequences.⁣
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Social Security is just one piece of the retirement puzzle. The goal is to understand how it fits alongside your other sources of income and your overall financial strategy.

Have questions about how Social Security fits into your retirement plan? Email [email protected] to start the conversation.



*The information presented or discussed is not a recommendation to buy or sell anything and nor is it financial advice. This is strictly for educational and entertainment purposes only.

10/06/2026

October is Financial Planning Month, making it a great time to check in on your financial plan before the year comes to a close.⁣
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Before January arrives, consider reviewing five key areas:⁣
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𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭: Are your savings, contributions, and income strategy still aligned with your long-term goals?⁣
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𝐓𝐚𝐱𝐞𝐬: Are there year-end tax considerations or planning opportunities you should be thinking about now rather than waiting until tax season?⁣
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𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬: Do your investments still reflect your goals, timeline, and overall financial strategy?⁣
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𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧: Have changes in your life, family, business, or finances created a need to revisit your insurance or estate planning?⁣
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𝐘𝐨𝐮𝐫 𝐆𝐨𝐚𝐥𝐬: What changed this year? Your financial plan should change with you as your priorities and circumstances evolve.⁣
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A year-end review isn’t about having all the answers. It’s about understanding where you are, identifying what may need attention, and creating a clearer plan for what comes next.⁣
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Ready to take a closer look at your financial plan? Schedule a conversation through the link in our bio.⁣
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*The information presented or discussed is not a recommendation to buy or sell anything and nor is it financial advice. This is strictly for educational and entertainment purposes only.

09/23/2026

Sign up now for our next Teaching Tuesday on October 6th!

Upcoming retirement-planning educational events from Bookman Bright Consulting and Bookman Bright Retirement, led by founder David Hedges.

09/23/2026

The Ins & Outs of Claiming Your Social Security Benefit

09/22/2026

Mark your calendar! 📅

Our next Teaching Tuesday Lunch & Learn is Tuesday, October 6, at 11:30 AM at The Hurt Hub in Davidson.

We would love to have you join us.

📍 The Hurt Hub | Davidson, NC
⏰ 11:30 AM

Save your spot and join us for lunch, conversation, and practical financial education. https://realtimeretirementplanning.com/



*The information presented or discussed is not a recommendation to buy or sell anything and nor is it financial advice. This is strictly for educational and entertainment purposes only.

09/16/2026

The final quarter of the year is a good time for business owners to step back and review more than just their revenue.

Before the year wraps up, consider asking:

✔️ How is the business performing?
✔️ Am I prepared for my tax obligations?
✔️ Is my cash management strategy still working for me?
✔️ Am I on track toward my long-term goals?
✔️ Are there decisions I should be making before December?

Year-end planning doesn't have to happen at year-end.

Starting the conversation early can give you more time to evaluate your options and make informed decisions.



*The information presented or discussed is not a recommendation to buy or sell anything and nor is it financial advice. This is strictly for educational and entertainment purposes only.

09/10/2026

It’s September 10th, which means its National 401(k) Day!

Your 401(k) can be one of your most valuable retirement planning tools—but it’s worth making sure you understand how yours is working for you.

Here are three things worth reviewing:
1️⃣ Your contribution rate
Are you contributing enough to take advantage of your employer’s match, if one is available?
2️⃣ Your investment choices
Your contribution is only part of the equation. How your money is invested matters, too.
3️⃣ Your retirement goals
Your strategy should evolve as your income, timeline, and goals change.

A 401(k) shouldn’t necessarily be something you set and forget.

Take a look, ask questions, and make sure your strategy still fits where you’re headed.

DavidsonNC

*The information presented or discussed is not a recommendation to buy or sell anything and nor is it financial advice. This is strictly for educational and entertainment purposes only.

09/02/2026

This past Tuesday at the Hurt Hub, we discussed Medicare.

Turning 65 comes with many new decisions, and Medicare is an important one to plan for.

Understanding when to enroll, what coverage options are available, and how healthcare costs fit into your overall financial plan can help you make more informed decisions.

You don't have to figure it all out at once.

The right time to start asking questions is before you need to make a decision.

If you're approaching Medicare eligibility and want to better understand your options, let's start the conversation.



*The information presented or discussed is not a recommendation to buy or sell anything and nor is it financial advice. This is strictly for educational and entertainment purposes only.