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ClearPath Wealth Strategies

A career setback shouldn't become a financial one. We help professionals navigate career transitions and build financial confidence. Your career comeback.

At ClearPath Wealth Strategies, we believe a career setback shouldn't become a financial one. We help professionals navigate career transitions, protect the wealth they've worked hard to build, and create a clearer path toward their financial future. Our approach brings career comeback strategies and personalized financial guidance together. Because your career and your finances shouldn't be treated as two separate conversations. Your financial future. One clear path forward. Learn more: cpwstrategies.com

10/27/2026

One of the biggest retirement mistakes I see is assuming every financial decision is really an investment decision.

Often, it isn't.

It's an income decision.

I recently shared my perspective in an article about a woman whose advisor suggested taking her pension as a lump sum instead of waiting for a guaranteed monthly benefit.

The question wasn't simply:

"Should she take the money?"

The better question was:

"What creates the greatest confidence throughout retirement?"

That's because retirement isn't funded by account balances.

It's funded by income.

A portfolio can grow.

A pension can provide certainty.

Neither is automatically better.

The right answer depends on your health, your retirement needs, your other income sources, your spouse, your longevity expectations, and your comfort with investment risk.

One thing I always encourage people to remember is this:

Reliable income provides something investment accounts cannot always provide.

Predictability.

That doesn't mean every pension should be kept.

And it doesn't mean every lump sum should be rejected.

It means every recommendation deserves context.

If someone suggests moving a pension into an investment account, ask:

- Why?
- What assumptions are being made?
- What would I be giving up?
- How does this improve my retirement income, not just my portfolio?

The goal isn't to build the biggest account.

It's to build the greatest confidence in the years ahead.

That's what retirement planning should always come back to.

Read the full article here:
https://lnkd.in/gUnFqmxz

10/20/2026

When people think about side hustles, they usually imagine someone in their twenties trying to make ends meet.

But after 40, the opportunity looks very different.

Your biggest advantage isn't having more free time.

It's having more experience.

I recently shared this perspective in an article (featured in AOL and MoneyLion) about side gigs for professionals over 40.

One thing younger workers simply can't replicate overnight is years of experience.

The relationships you've built.

The judgment you've developed.

The mistakes you've learned from.

The reputation you've earned.

Those aren't just career milestones.

They're assets.

Instead of asking: "What side hustle should I start?"

Ask: "What problems do I already know how to solve?"

For many people, the answer could lead to consulting.

For others, it might be mentoring, project-based work, skilled trades, or simply making better use of assets they already own.

The goal isn't to work every spare hour.

It's to turn knowledge you've already earned into income that fits your life.

Experience compounds.

If you use it intentionally, it can become one of the most valuable investments you'll ever make.

If you could monetize one skill you've built over the years, what would it be?

Read full story here:

https://www.aol.com/articles/4-side-gigs-gen-z-131505000.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAAx1WFke-s5fa0M5zBDKfG58m4SeM5dds2DU5mqPjuzgRJZdw3cKYjEN_fBBWkxuUu-0esfGuUaII8rAfHENcpdcO6CIeDCA24RcmzKPawLYbl1i2FAYEQmA-c2kYDnbX1urvwaTPC5uDiRgLtcY4Sywqp1bACHZA43IuS6m1XZT

10/13/2026

A high-paying career can still make you feel broke.

Not financially.

Personally.

Some roles offer the title, the salary, and the status people spend years chasing.

But they may also cost you:

Your health.
Your relationships.
Your identity.
Your ability to ever truly switch off.

I recently shared my perspective in an article (featured in The Independent) examining high-paying careers where the personal cost can outweigh the professional reward.

What I’m noticing now is that more people are beginning to redefine success.

They’re no longer asking only:

“How much does this job pay?”

They’re also asking:

“What is this career costing me?”

That question matters.

Because a bigger salary can slowly become a trap when your entire lifestyle depends on it.

You know the role is wearing you down.
You know the pressure is affecting your family.
You know you want something different.

But leaving feels impossible because your expenses have grown around the income.

That’s what I call the golden handcuff effect.

The paycheck gives you freedom on paper while quietly taking freedom from your actual life.

This does not mean senior leadership, consulting, law, banking, or other demanding careers are automatically bad.

For the right person, they may be deeply rewarding.

But compensation should never be evaluated without sustainability.

Before pursuing the next promotion or higher-paying role, ask:

- Can I sustain the demands?
- What will this require from my health?
- What will my family experience?
- Does this career support the life I want, or replace it?

Your career is important.

But it should remain one part of your life.

Not the entire thing.

Read the full story here: https://lnkd.in/duQWju5x

10/06/2026

I don't believe retirement should feel like a lifetime of saying "no."

In fact, when someone asks me how to build a retirement budget, my answer usually surprises them.

It shouldn't feel like punishment.

I recently shared this perspective in an article featured in GOBankingRates, AOL, and MSN, discussing what retirees should consider stopping after age 65.

The goal isn't to spend less.

The goal is to spend with intention.

Over the years, our finances tend to collect layers.

- Monthly subscriptions.

- Memberships we forgot about.

- Extra vehicles we rarely drive.

- Homes that require more time, money, and maintenance than they once did.

None of these expenses are necessarily bad.

But together, they create financial clutter.

Before making any changes, I encourage people to ask one simple question:

What matters most to me at this stage of life?

Once you have that answer, the financial decisions become much easier.

Instead of asking: "What should I cut?"
Ask: "Does this expense support my health, my freedom, or the people I love?"

If the answer is yes, keep it.

If not, maybe it's time to let it go.

Retirement isn't about accumulating more.

It's about creating space for what matters most.

Read the full article here: https://www.gobankingrates.com/retirement/planning/financial-advisors-what-retirees-stop-buying-after-65/?utm_source

09/29/2026

Getting laid off can make you question everything.

Your career.
Your decisions.
Sometimes even your value.

But one of the most important things to remember is this:

Your role ended. Your value did not.

I recently shared my perspective in an article (featured in Independent) about how to navigate the days and weeks after a layoff.

My first advice?

Protect your mental and emotional health.

Go for a walk.
Work out.
Learn something new.

Spend time with people who remind you who you are outside of your job title.

And while you are processing what happened, protect something else too:

Your reputation.

It can be tempting to vent publicly, confront former colleagues, or post an emotional response immediately.

But the world is much smaller than most people realize.

The bridge you burn today may lead to an opportunity you need tomorrow.

So pause before posting.

Document your accomplishments.

Collect your performance reviews and professional records.

Understand your severance and benefits.

Then ask yourself a more useful question than:

“How quickly can I find another job?”

Ask:

“What do I want my next role to give me that the last one did not?”

A layoff is painful.

But it can also create space to reconsider what fits you now.

Do not let one company’s decision become your definition of your worth.

Recover first.

Reflect honestly.

Then make your next move from confidence not panic.

Read the full article here: https://www.independent.co.uk/us/money/layoff-expert-advice-job-market-b2984533.html

09/15/2026

One of the biggest misconceptions about retirement is that confidence comes from having a certain dollar amount saved.

In reality…

I've met retirees with substantial savings who still worry every month.

And I've met others with far less who sleep well at night.

The difference usually isn't the balance in the account.

It's the clarity of the plan.

I recently shared this perspective in an article (featured in MSN and MarketWatch) about a retired teacher who had built nearly $800,000 in savings but still felt like she was living month to month.

My advice wasn't to chase higher investment returns.

It was to create certainty.

Start by asking:

- How much of my essential spending is already covered by guaranteed income?

- Where are the gaps?

- Does the rest of my portfolio provide both protection today and flexibility for tomorrow?

Retirement planning isn't about eliminating every uncertainty.

It's about reducing the uncertainties you can control.

That's one of the biggest benefits of working with an advisor.

Not because they have a magic product.

But because they can help you avoid costly mistakes, ask the right questions, and create a plan that aligns with the life you want to live.

The goal isn't simply to have more money.

The goal is to feel more confident about the money you've already worked so hard to build.

What gives you more peace of mind in retirement—having more savings, or having a clearer plan?

Read the full article here: https://www.msn.com/en-us/money/personalfinance/i-don-t-want-to-live-month-to-month-i-m-a-retired-teacher-68-with-800k-saved-but-i-live-in-an-expensive-state-help/ar-AA1RW7Ig

09/08/2026

One of the hardest moments in retirement planning is when something doesn't make sense.

A retirement account balance looks wrong.

Statements stop arriving.

You begin wondering whether years of hard work have somehow disappeared.

I recently shared my thoughts in an article featured in MarketWatch and MSN, about a couple facing exactly that situation.

My advice wasn't to panic.

It was to pause.

Too often, people assume the worst before they have the full picture.

But retirement assets don't simply disappear.

If something looks wrong, ask questions.

Call HR.

Contact the retirement plan provider.

Request documentation.

Follow the paper trail.

As I shared in the article:

"Let's go find it."

That same principle applies beyond a missing 401(k).

When retirement feels uncertain, your first priority shouldn't be making dramatic financial decisions.

It should be creating clarity.

That's why I often tell people to focus on two things:

• Stabilize your finances.

• Simplify your financial life.

Understand where every dollar is.

Reduce unnecessary complexity.

Know your options before making permanent decisions.

Financial confidence doesn't come from having all the answers immediately.

It comes from taking the next right step.

Sometimes the most valuable thing you can do isn't finding a new strategy.

It's finding the information you already deserve to have.

08/25/2026

One of the biggest retirement mistakes isn't making bad investment decisions.

It's making life more complicated than it needs to be.

I recently shared this perspective in an article (featured in Yahoo Finance, AOL, and GOBankingRates) discussing how retirees are finding smarter ways to stretch their retirement savings.

One strategy that often gets overlooked?

Simplifying what you've already built.

After working for decades, it's common for people to have retirement accounts scattered across multiple employers.

Old 401(k)s.

Forgotten accounts.

Different investment platforms.

Different fees.

Different paperwork.

Consolidating those accounts, when it makes sense for your situation, can make retirement easier to manage and reduce the chances of losing track of part of your savings.

But that's only one piece of the puzzle.

Retirement isn't just about having enough money.

It's about creating a plan that supports the life you want to live.

That includes:

- Creating reliable retirement income

- Keeping part of your portfolio positioned for long-term growth

- Staying healthy to help reduce future healthcare costs

Often, the smartest retirement strategies aren't the most complicated.

They're the ones that bring clarity.

Because the less time you spend managing financial clutter…

The more time you can spend enjoying retirement.

What's one financial task you've been putting off that would simplify your life?

PS: Read the full article here: https://www.gobankingrates.com/retirement/planning/financial-experts-clever-ways-boomers-are-saving-money-in-retirement/

08/18/2026

One of the biggest misconceptions about changing careers after 50 is that you have to start over.

You don't.

In fact, the people who make the most successful career transitions usually do the exact opposite.

I shared this perspective in an article featured in DailyMail.com, discussing high-paying second careers for professionals over 50.

One point I emphasized was this:

The most successful career changes aren't random job moves. They're leveraged moves.

Think about everything you've built over the last 20 or 30 years:

- Leadership

- Communication

- Industry expertise

- Problem-solving

- Relationships

Those aren't things you leave behind.

They're the reason someone hires you.

That's why many professionals successfully transition into consulting, project management, sales leadership, financial advising, and business advisory roles.

They're not starting from zero.

They're building on decades of experience.

Too often, people underestimate the value of what they've already learned because it feels ordinary to them.

But to someone else?

That experience solves expensive problems.

Your next career doesn't need to erase your first one.

It should capitalize on it.

If you're considering a career pivot, ask yourself this:

How can I leverage what I already know instead of trying to reinvent myself?

PS: Read the full article here:

https://www.dailymail.com/yourmoney/article-15789413/second-careers-americans-experience-earnings.html

08/11/2026

A $40,000 car in retirement isn’t a spending decision.

It’s a tax decision.

I shared this perspective in features with MarketWatch and MSN and it’s a question more retirees are asking:

“Which account should I use?”

Because once the paycheck stops, the game changes.

It’s no longer about:

“Can I afford this?”

It’s about:

“What does this decision do to my future?”

I’ve seen situations like this often:

- $1M+ in IRAs
- Brokerage accounts
- Roth accounts growing tax-free

And then comes a simple purchase:

A $40K car.

Seems straightforward.

But it isn’t.

Because where you take that $40K from can impact:

- Your future tax bill
- Your portfolio longevity
- Your flexibility later in retirement

For example:

Pulling from a Roth IRA might feel easy (no taxes today)

But that money was growing tax-free.

Once it’s gone, it’s gone.

On the other hand:

A brokerage account may create capital gains.

An IRA withdrawal may increase taxable income.

So the real question becomes:

What’s the long-term trade-off?

Even financing, something many retirees avoid, can sometimes make sense.

Not because debt is “good,”

But because preserving your portfolio and managing taxes matters more.

The takeaway isn’t “always do X.”

It’s this:

At this stage, every financial decision is connected.

And the smartest move is understanding the impact before the action.

Read the full article here: https://lnkd.in/gpwvUGYe

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75034

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Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

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