Peaks Financial

05/28/2026

Most retirement plans assume life ends around eighty five.
For couples, that assumption breaks about half the time.
There is roughly a fifty percent chance one spouse lives to at least ninety two.

Those extra years are not free.
That is why we plan to age one hundred.
Margin is what keeps a good plan from breaking.


disclaimer: Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

05/27/2026

The four percent rule sounds simple. Retire with one million.

Spend forty thousand a year.
That math was built for a different world.
More volatility.
Longer retirements.
Higher costs.
For many people, four percent now behaves closer to three.
Rules are easy.

Strategy is what keeps money from running out.
Follow for clear, practical insight on long term financial decisions.


disclaimer: Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

05/21/2026

Set it and forget it works when you’re accumulating. It breaks when you start relying on the money.
Retirement changes the job your money has to do.

Plans that never evolve start to feel fragile right when clarity matters most.
That’s where real planning begins.
Follow for more clarity around long term financial decisions.

disclaimer: Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

05/18/2026

A high income feels like financial independence.

But income is not a plan.
Real confidence comes from knowing how today’s money is meant to work for you long term.

Not just knowing that more is coming in.
Earning well is a great starting point.

It is not the finish line.
Follow for more clarity around long term financial planning.

disclaimer: Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

05/14/2026

Retirement problems rarely appear overnight. They build quietly, years in advance.
If your confidence comes from account balances. If every headline feels like a decision. If your plan only works when life stays simple...Those are not failures. They are signals. The earlier you notice them, the more options you have.

Follow for more clarity around long term financial planning.



disclaimer: Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

04/14/2026

Retirement offers the freedom to focus on what helps you feel strong, calm and connected. Discover five practical ideas to help you thrive in this new phase of life:

raymondjames.com

04/13/2026

When life changes, your taxes often do too. Knowing how milestones like a new home, a growing family or a career shift affect your tax picture can help you plan ahead. Explore the key factors to keep in mind:

raymondjames.com

04/10/2026

Thinking ahead about intergenerational wealth? A Roth conversion can help reduce future taxes, lower RMDs and give your heirs more flexibility – especially children in higher tax brackets. Learn what to consider before converting:

raymondjames.com

04/08/2026

All eyes turned toward the Middle East as ongoing hostilities sent oil prices skyrocketing past $100 a barrel for the first time since 2022, causing global markets to price in potential long-term consequences. Read more in the the March market recap:

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01/13/2026

Warm weather and beautiful scenery aren't the only ingredients for a good retirement location. Consider taxes and other location-based expenses:

raymondjames.com