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PEBB + SEBB Open Enrollment: Oct. 26–Nov. 23Medicare can be an important part of retirement healthcare, but it doesn’t e...
10/05/2026

PEBB + SEBB Open Enrollment: Oct. 26–Nov. 23

Medicare can be an important part of retirement healthcare, but it doesn’t eliminate every potential healthcare expense. For example, Medicare generally does not cover ongoing custodial long-term care. That’s why healthcare planning shouldn’t happen in isolation. Your coverage choices, retirement income, savings, family needs and plans for possible long-term care can all interact. As Medicare season approaches, use the opportunity to think beyond next year’s plan selection and ask a broader question: How prepared is my overall retirement strategy for future healthcare needs? Thinking through those possibilities early can help you make more informed decisions.

Read our related article, “Common Retirement Regrets—And Proactive Moves to Consider”: https://www.finaltllc.com/blog/common-retirement-regrets-and-proactive-moves-consider

Medicare Open Enrollment: Oct. 15–Dec. 7Medicare Open Enrollment begins October 15 and runs through December 7. During t...
09/21/2026

Medicare Open Enrollment: Oct. 15–Dec. 7

Medicare Open Enrollment begins October 15 and runs through December 7. During this annual window, people with Medicare can review and make certain changes to their health and drug coverage for the coming year. Before it arrives, take time to review your plan’s notices, prescriptions, preferred doctors, pharmacies and expected healthcare needs. Even if you’ve been happy with your current coverage, costs and benefits can change from year to year. Reviewing the details can help you make a more informed decision for 2027—and understand how your healthcare choices fit with the rest of your retirement strategy.

Want to talk about healthcare costs as part of your retirement picture? Contact us to learn more: https://www.finaltllc.com

Market volatility can feel especially concerning as retirement gets closer. When you are still working, you may have mor...
08/06/2026

Market volatility can feel especially concerning as retirement gets closer.

When you are still working, you may have more time to recover from market downturns. But as retirement approaches, your income needs, withdrawal strategy, and investment risk all become more closely connected.

That is why retirement planning should look beyond investment performance alone. It should consider income sources, pension benefits, Social Security, taxes, expenses, and how your portfolio is positioned for your stage of life.

For Washington State educators and public employees, this can also include understanding how your state retirement benefits fit within your broader financial plan.

At Financial Alternatives, we help clients bring these pieces together with clear, personalized guidance.

It is easy to say you are comfortable with investment risk when markets are calm. Volatile markets are often when your t...
07/31/2026

It is easy to say you are comfortable with investment risk when markets are calm.

Volatile markets are often when your true comfort level becomes clearer.

That does not mean your plan is wrong. It may simply be a good time to revisit whether your investment strategy still reflects your goals, timeline, income needs, and emotional comfort with market movement.

For retirees, pre-retirees, educators, public employees, and families planning for the future, risk should be viewed in context. Your portfolio is only one part of your broader financial picture.

A good plan should help you understand what you own, why you own it, and how it supports your long-term direction.

Market volatility can feel unsettling, especially when headlines move quickly and account values fluctuate. But volatili...
07/27/2026

Market volatility can feel unsettling, especially when headlines move quickly and account values fluctuate.

But volatility is also a normal part of long-term investing. The key is not to react emotionally to every market movement, but to understand how your investment strategy fits within your larger financial plan.

At Financial Alternatives, we help clients look beyond short-term market swings and focus on the factors they can control: their goals, time horizon, risk tolerance, income needs, and long-term plan.

A steady strategy can help bring clarity during uncertain times.

Start the second half of the year with clarity.The halfway point of the year is a natural time to reset. Whether you’re ...
06/29/2026

Start the second half of the year with clarity.

The halfway point of the year is a natural time to reset. Whether you’re preparing for retirement, managing investments, or simply trying to stay organized, a mid-year financial review can help you move forward with greater clarity.

Download the Mid-Year Financial Check-Up Guide

https://www.finaltllc.com/files/finalt_midyear_checklist_-_screen.pdf

Halfway through the year. How’s your financial plan doing?June is a great time to pause and check in on your financial g...
06/15/2026

Halfway through the year. How’s your financial plan doing?

June is a great time to pause and check in on your financial goals. Are you on track with saving, investing, spending, taxes, and retirement planning? A mid-year review can help you spot gaps early and make adjustments before year-end.

Download our Mid-Year Financial Check-Up

https://www.finaltllc.com/files/finalt_midyear_checklist_-_screen.pdf

Are your retirement dollars all in the same bucket?Where you save matters too.https://www.finaltllc.com/files/roth_vs_tr...
06/08/2026

Are your retirement dollars all in the same bucket?
Where you save matters too.

https://www.finaltllc.com/files/roth_vs_traditional_guide_csp_-_screen.pdf

Many people build retirement savings over time without revisiting how those dollars are taxed.

If most of your savings are in one type of account, it may be worth stepping back and asking whether your strategy still fits where you are today.

Our latest guide explains the difference between Roth and Traditional savings in a clear, practical way for educators, retirees, and public employees.

Download the guide and, if you would like to talk it through, schedule a conversation with our team.

How Roth IRAs can work alongside a 403(b)Using both? That may be worth a closer look.https://www.finaltllc.com/files/rot...
05/25/2026

How Roth IRAs can work alongside a 403(b)
Using both? That may be worth a closer look.

https://www.finaltllc.com/files/roth_vs_traditional_guide_csp_-_screen.pdf

Many educators focus on their 403(b), and for good reason. But that may not be the only account worth considering.

In some cases, a Roth IRA can complement workplace retirement savings by adding another source of flexibility later. The key is not whether one account is always better. It is how the accounts may work together based on your goals, timeline, and expected retirement income.

Download the guide to see how IRA, 403(b), and Roth choices may fit together.

Address

667 Grant Road, Suite 1
East Wenatchee, WA
98802

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15096637526

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