01/24/2026
A client of mine recently retired and asked a simple question:
“What should I do with all my CDs?”
For years, he had been buying CDs every 3 to 6 months across different banks. A classic ladder strategy. Safe. Familiar. Disciplined.
But before talking about rates or products, I asked him a different question:
“What matters most to you in retirement?”
His answer was simple and honest.
He didn’t want to run out of money.
And he didn’t want to lose what he had built if his health ever changed, something he had seen happen to a close friend.
That told me everything I needed to know.
Before I can recommend any strategy, I need to understand what really matters to you. Strategy first. Products second. Always.
If you’re in a similar stage of life, or if you’re helping a parent or loved one think through these decisions, I’m always happy to have a conversation.
Just send me a message and we’ll set up some time to talk.
