Franklin Wealth Management, LLC

09/08/2026

Will your retirement income last as long as you do? According to research cited by Goldman Sachs, nearly 60% of people are worried about running out of money in retirement.

In this video, Joe Franklin examines 5 popular retirement income strategies and explains the advantages, risks, and tradeoffs of each. Using findings from Morningstar’s State of Retirement Income report, he compares traditional approaches like the 4% rule, dividend investing and annuities with more flexible strategies designed to adjust as markets, inflation and retirement needs change.

Joe also shares Franklin Wealth Management’s preferred retirement income harvesting approach. This strategy divides retirement savings into safe, income and growth buckets to help provide dependable income during market downturns while allowing the rest of the portfolio time to recover and grow.

Topics Covered:
- The factors that should shape your retirement income plan
- Morningstar’s latest safe withdrawal rate research
- The risks of withdrawing a constant percentage each year
- The benefits and hidden costs of annuities
- How dividend investing can provide retirement income
- Why the traditional 4% rule may be too restrictive
- How dynamic guardrails can adjust spending with the market
- How inflation affects the longevity of retirement savings
- Protecting against sequence-of-returns risk
- Using bond and CD ladders to create dependable income
- The safe, income and growth bucket strategy
- How Roth conversions and tax-efficient withdrawals may help your money last longer

The right retirement income strategy should give you confidence without preventing you from enjoying the money you worked hard to save.

Watch here:

09/08/2026

Why you don't need a trust for your home. Watch the full video here: https://www.youtube.com/watch?v=J0gQ7KRxvCE

09/08/2026

We may be a day late for Labor Day - but we couldn’t let this question pass us by!

What was your very first job?

Whether you were mowing lawns, waiting tables, babysitting, stocking shelves or working in the family business, that first job probably taught you something you still carry today.

Tell us your first job in the comments - and for bonus points, share the biggest lesson it taught you!

09/07/2026

Good planning is not about predicting every change. It is about building the flexibility to meet change well.

Retirement can include changes in markets, taxes, healthcare needs, family circumstances, and government programs such as Social Security. While no plan can eliminate uncertainty, thoughtful preparation can provide clearer choices when circumstances shift.

Wisdom in planning means staying informed, considering more than one outcome, and keeping the bigger purpose behind your wealth in view.

— Joe Franklin, CFP®
President, Franklin Wealth Management

09/06/2026

Retirement planning is about more than reaching a particular account balance. It is also about what that money may be able to purchase throughout retirement.

Over time, rising costs can affect housing, groceries, healthcare, travel, and everyday living. Even modest inflation can make a meaningful difference when compounded across a retirement that may last 20 or 30 years.

A well-designed plan considers not only today’s income needs, but how those needs may change in the years ahead.

09/05/2026

Why September is the Worst Month for the Market | Getting Out on Top!

These Rules Help Protect Profits in Uncertain Times | Learn these "Smart Money" Lessons

Learn the indicators the Smartest Investors use to raise cash and buy at the extremes of the market & the "Dumb Money" mistakes they take advantage of.

Is the stock market flashing warning signs, or does momentum still have room to run?
In this video, Joe Franklin, CFP®, breaks down the difference between smart money and dumb money, how investor sentiment influences the market and why record IPO activity could signal that stocks are approaching dangerous territory. He also examines SpaceX, forced buying in index funds, Warren Buffett’s record cash position and several long-term valuation indicators.

How do we know when we are close to a top or a bottom?

You’ll also learn how market seasonality can affect investment returns, why August and September have historically been challenging months for stocks and how the “sell in May and go away” strategy has performed over time. Joe explains how market breadth, momentum, volatility, investor sentiment and calendar effects can help investors evaluate risk without relying on short-term predictions.

We cover:
• Smart money vs. dumb money
• Stock market momentum and valuation
• SpaceX and the risks surrounding major IPOs
• Warren Buffett’s record cash holdings
• Forced buying in index funds
• Market seasonality and portfolio rebalancing
• Investor sentiment, market breadth and volatility
• Current short-term and long-term market warning signs

To Learn More, Click HERE:

Avoid These Mistakes | These Rules Help Protect Profits in Uncert...

09/04/2026

Don't forget to update your beneficiaries. Watch the full video here: https://www.youtube.com/watch?v=J0gQ7KRxvCE

09/04/2026

A strong financial plan is not built around one perfect prediction.

Laws can change. Markets can change. Tax rates can change. Personal circumstances can change too.

That is why thoughtful retirement planning considers multiple possibilities—not to create fear, but to create options. Building flexibility into a plan can make it easier to adjust when life does not follow the original forecast.

Preparation is not about knowing exactly what will happen. It is about being ready to respond wisely.

09/04/2026

Social Security can be an important part of retirement income—but it was never intended to carry the full weight of retirement.

A thoughtful retirement plan may also consider personal savings, investment income, taxes, healthcare expenses, inflation, and the timing of withdrawals. When these pieces work together, families may be better prepared for both expected and unexpected changes.

The goal is not to depend too heavily on one income source. It is to build a stronger, more flexible financial foundation.

09/03/2026

Why you need a "treasure map" for your heirs. Watch the full video here: https://www.youtube.com/watch?v=J0gQ7KRxvCE