Ken Kilmer, Financial Advisor at RBC Wealth Management

02/26/2026

If you're over 60 and your retirement plan is in solid shape, not every financial decision needs to maximize investment returns. Sometimes the best "returns" come from peace of mind and a bit more joy.

This article highlights four moves worth considering:

1. Tackle big expenses while still working
That new roof or car replacement? Do it now so you won't have to pull from your portfolio in early retirement.

2. Pay down your mortgage
The math might not always favor it, but I've never met anyone who regretted entering retirement debt-free.

3. Build liquid reserves in a taxable account
Less tax-efficient than retirement accounts? Yes. But the flexibility is worth its weight in gold.

4. Splurge a little now
Take that big trip. Invest in experiences you've been putting off. You're still earning income and healthy enough to enjoy it—timing matters.

Here's what is worth noting: If your numbers are good, it's okay to shift some focus from pure optimization to actually living the life you've been planning for.

If your plan is in good shape, you can put more weight on allocating to decisions that deliver a psychological return rather than a financial one.

01/28/2026

In the Investor's Edge newsletter for winter 2026, gain insights on financial tips for the new year and, inspired by the Winter Games, how to medal in your financial life. Read the full newsletter for these ideas and more to help with your wealth planning in 2026.

01/08/2026

Are you a business owner hinging your retirement on a big payoff from selling your business?
If so, it's vital to know what your business is worth.
DM me today to talk through your business valuation.

12/18/2025

If talking about money is difficult for you, “Twelve easy conversations about money” can help. Direct message me to receive your copy.

12/10/2025

As you wrap up the year, take time for an annual financial review. Acknowledge your achievements and set goals for 2026. Call me with any wealth planning or investing questions.

11/20/2025

Want to help raise money-savvy adults? Reach out if you are interested in financial education resources for youth, teens and young adults.

11/18/2025

In the Investor’s Edge newsletter for fall 2025, gain tips on using RMD funds, scoring a touchdown with wealth planning, investing when young, key strategic considerations for business owners and business succession planning.

11/12/2025

During the holiday season, remember to plan and spend wisely. Reach out to me for strategies on holiday budgeting or having crucial conversations about family finances.

10/22/2025

Wealth plans shouldn’t derail during times of uncertainty. Message me for financial guidance to help you through difficult periods.

10/16/2025

Financial empowerment matters. Reach out to access the resources available to help people of all ages feel more educated regarding money, investing and wealth planning.

09/18/2025

There are many different approaches to saving, managing and growing wealth, and what's right for someone else may not be the best fit for you. Let's connect about the financial education resources we have designed exclusively for women. https://bit.ly/3IjZexa

09/17/2025

Optimizing your employer-sponsored retirement plans could change your financial future. Let’s discuss your benefits and build a retirement plan that aligns with your goals.