Christopher P. Davison, CFP - Empire Financial Advisors

06/08/2026

Wondering if you’re actually saving enough for retirement?

This free Retirement Savings Calculator shows you exactly where you stand, and how much you could have when you retire.

Curious what YOUR number looks like?

👉 Tap the link and find out in under 60 seconds:

See how your current savings rate and contributions may grow into retirement income.

06/04/2026

📊 Chart of the Week

Hard to believe… but since 1950, the S&P 500 has NEVER hit its peak in June.

This chart shows the month in which the market made its highest point of the year.

Many investors worry markets have “already peaked” by mid-year, but history suggests market highs have typically come later in the year. 📈

That said, understanding your risk tolerance and keeping a long-term perspective are still key parts of a solid financial plan.

Source: Carson Investment Research, FactSet (1950–2025), shared by Ryan Detrick

06/02/2026

So you “WORK” with a financial planner…

One of the biggest complaints I hear from people is:

“Every time I call, I never actually talk to my advisor.”

Instead, they get bounced between assistants, service teams, or someone new.

Financial planning is personal. 🤝

You should know the person guiding your retirement, investments, and long-term goals.

When clients work with me, they work directly with me.
Not a revolving door of people. 👤

If you’re tired of feeling like just another account number, maybe it’s time for a different experience.

CFP® Professional | 7 years of experience | Building long-term relationships for the next 30+ years. 📈

Reach out today to have that conversation!

Want to learn more about financial planning? Contact Christopher P. Davison, CFP® to request a consultation or get more information tailored to your goals. Start your financial journey today.

05/29/2026

Think you’re saving money by not having health insurance? Think again. Medical debt can be a major cause of financial woes. Read more now.

Learn about the risks of not having health insurance in this informative article.

05/23/2026

Deciding when to claim Social Security is one of the biggest retirement choices you’ll face.

There’s no one-size-fits-all answer, but there are some factors to consider:

📌 Are you still working?
📌 How long do you expect to live based on health and family history?
📌 How do early or delayed benefits fit into your retirement picture?

This guide walks through the basics to help you start thinking about your options.

05/19/2026

Many have heard they should avoid probate; do you understand what probate is and how it works?

Probate can be a completely public process, or it can be managed to include as little information as possible.

05/15/2026

This age old question is vital and should be answered as early as possible! Explore the reasons why.

This investment account question is vital and answered as early as possible.

05/13/2026

There are many ways to climb a mountain, just as there are many styles of investing.

Which style suits you?

Watch this video to learn more:

Learn about what risk tolerance really means in this helpful and insightful video.

05/11/2026

"Big Retirement Balance? The Hidden Tax Bill Your Kids Could Inherit." 🚫

I recently sat down with a couple who did everything right.

Disciplined savers. Smart investors. Decades of consistency.

They built a substantial retirement portfolio, exactly what everyone aims for.

And their goal was simple:

“Leave this to our kids.”

Sounds straightforward… until it isn’t.

Here’s the part most people don’t realize:

When children inherit retirement accounts, they can’t just let that money sit and grow.

Under current rules, those funds often must be fully withdrawn within 10 years.

Which means…

Year after year of forced taxable withdrawals
Stacked on top of their existing income
Potentially pushing them into higher tax brackets

A legacy meant to create opportunity can quietly erode through taxes.

That’s where the conversation shifted.

Instead of just “passing down assets,” we focused on how those assets would be received.

We built a strategy designed to:

• Spread out and manage the tax impact
• Reposition certain assets for greater tax efficiency
• Align their estate plan with how distributions actually work

Same wealth. Very different outcome.

This is the difference between investment planning and true wealth planning.

It’s not just about how much you leave behind, it’s about how much your family actually keeps.

If your plan includes leaving retirement assets to the next generation, it’s worth asking:

“Have I planned for their tax reality… or just mine?”

05/10/2026

The first year of retirement can feel exciting, uncertain, and everything in between.

Here's what to expect emotionally, financially, and practically as you settle into this next chapter. Reach out if you'd like to talk through your transition.

Understand the key financial and lifestyle shifts that happen in your first year of retirement.