Liberty Group LLC

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Liberty Group LLC At Liberty Group, LLC, we believe everyone should be able to live the retirement they’ve always wa

Medicare Open Enrollment starts today and runs through December 7.Even if you’re happy with your current coverage, it’s ...
10/15/2026

Medicare Open Enrollment starts today and runs through December 7.

Even if you’re happy with your current coverage, it’s worth reviewing what may change for 2027. Take a look at your premiums and out-of-pocket costs, prescription drug coverage, provider network, and any changes your plan has announced for the coming year.

You have until December 7 to make changes, but there’s no need to wait until the last minute.

Today is the deadline.If you requested an extension for your 2025 federal income tax return, your extended filing deadli...
10/15/2026

Today is the deadline.

If you requested an extension for your 2025 federal income tax return, your extended filing deadline is generally today, October 15.

If you haven’t filed yet, don’t put it off until tomorrow. Make sure your documents are accounted for and get your return submitted by the deadline.

One important reminder: an extension gave you more time to file, not more time to pay any taxes that were originally due.

Not every dollar you’ve saved for retirement has to serve the same purpose.You may want some assets invested for long-te...
10/14/2026

Not every dollar you’ve saved for retirement has to serve the same purpose.

You may want some assets invested for long-term growth while keeping others readily available. You may also need to turn a portion of your savings into income or preserve assets for your family.

Looking at those needs first can give you a different way to evaluate investments, annuities, and other financial tools.

Read our latest blog to explore why the annuity vs. investment portfolio conversation may be asking the wrong question.

https://libertygroupllc.com/annuity-vs-investment-portfolio/

A big 401(k) balance may look good on paper, but eventually that money needs to help fund your life in retirement.As you...
10/14/2026

A big 401(k) balance may look good on paper, but eventually that money needs to help fund your life in retirement.

As you get closer to retirement, start thinking about what your savings may need to provide each month and how that income could work alongside Social Security, pensions, and other sources.

The goal isn’t just to reach a number. It’s to understand what that number may mean for your retirement.

Medicare can cover a lot, but it may not cover every healthcare expense you face in retirement.Premiums, deductibles, co...
10/13/2026

Medicare can cover a lot, but it may not cover every healthcare expense you face in retirement.

Premiums, deductibles, copays, prescription costs, and services such as dental, vision, and long-term care can all affect how much you spend on healthcare.

As you plan your retirement budget, make sure healthcare has a place in the conversation. Understanding what Medicare may cover, and where you could be responsible for the cost, can help you plan more realistically for the years ahead.

Annuities get a lot of strong reactions. But before you decide you love them or hate them, it helps to understand what y...
10/13/2026

Annuities get a lot of strong reactions. But before you decide you love them or hate them, it helps to understand what you’re actually looking at.

Different annuities can have different costs, restrictions, features, and purposes. The real question is whether a particular annuity makes sense for what you’re trying to accomplish in retirement.

Our new guide, The Annuity Reality Check, covers common misconceptions, what to look for, and seven questions to ask before considering an annuity.

Download your free copy to take a closer look: https://libertygroupllc.com/the-annuity-reality-check/

“Would I make more money investing this instead?”It’s a fair question when comparing an annuity with an investment portf...
10/12/2026

“Would I make more money investing this instead?”

It’s a fair question when comparing an annuity with an investment portfolio. But returns don’t tell you everything you need to know.

As you approach retirement, some of your money may need to stay invested for growth. Some may need to remain accessible. And some may need to help provide income.

Instead of making annuities and investments compete, it can be more useful to ask what you need each portion of your money to accomplish.

Read our latest blog for a closer look at annuities, investment portfolios, and the tradeoffs to consider in retirement: https://libertygroupllc.com/annuity-vs-investment-portfolio/

When was the last time you thought about what you’re actually saving for?You may have money set aside for an emergency, ...
10/12/2026

When was the last time you thought about what you’re actually saving for?

You may have money set aside for an emergency, retirement, future healthcare costs, or something you hope to leave to your family. And as life changes, those priorities can change too.

For National Savings Day, take a look at where you’re putting your money and whether it still lines up with what you want it to do.

The five years before retirement can be about much more than counting down to your last day of work.They’re an opportuni...
10/09/2026

The five years before retirement can be about much more than counting down to your last day of work.

They’re an opportunity to start testing how retirement might actually work.

Where will your income come from? What might your taxes look like? How would you respond to an early market downturn? And how could healthcare or changing expenses affect the plan?

Thinking through those questions while you’re still working may give you more time to evaluate your options.

Read our latest blog for the retirement risks and decisions worth considering before your paycheck stops: https://libertygroupllc.com/retirement-planning-risks-that-can-change-after-you-stop-working/

Your financial decisions aren’t always driven by numbers. Psychology can play a role, too.Fear of losing money may make ...
10/09/2026

Your financial decisions aren’t always driven by numbers. Psychology can play a role, too.

Fear of losing money may make you overly cautious. Confidence in an investment could lead you to take more risk than you intended. And when everyone seems to be buying or selling, it can be tempting to follow along.

These are examples of behavioral biases, and simply recognizing them can help you pause and look at a financial decision more objectively.

When it comes to retirement planning, understanding how you make decisions can be just as important as understanding the numbers.

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411 30th Street
Oakland, CA
94609

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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