Sears Wealth Management & Insurance Solutions

09/09/2026

You’ve worked hard to get to 65. Now comes a different question: Will your money work hard enough for you?

According to the Federal Reserve’s 2024 Survey of Household Economics and Decision making, 91% of retirees age 65+ receive Social Security, while 54% receive income from interest, dividends, or rental properties.

Retirement isn’t just about how much you saved. It’s about where your income will come from and how long it needs to last.

What will your retirement income look like 10, 20, or 30 years from now?

Source: Federal Reserve, Report on the Economic Well-Being of U.S. Households in 2024._ Federal Reserve

09/07/2026

Happy Labor Day from all of us at Sears Wealth Management! 🇺🇸

We hope you’re enjoying a beautiful day with family and friends. Take some time to relax and enjoy the things that matter most.

Wishing you a wonderful Labor Day!

08/27/2026

We're excited to welcome Tracy to our Logan office as a Client Care Specialist.

With years of administrative experience and a passion for helping people, she's already a wonderful addition to our team.

When she's not at work, you'll find her spending time with family, traveling, reading, or cheering on the Atlanta Braves. ⚾

Help us give Tracy a warm welcome in the comments below! 👏🎉

07/31/2026

The biggest financial challenge in retirement isn't always saving enough. It's knowing how to make your money last.

After decades of working and building your retirement savings, your financial strategy needs to shift. Instead of focusing primarily on accumulation, retirement is about creating a plan that turns your savings into reliable, tax efficient income that can support the lifestyle you've worked so hard to achieve.

Here are five areas every retiree should review:

✔ Income Planning: Where will your paycheck come from once you're no longer working? A retirement income strategy can help create dependable cash flow while preserving your assets.

✔ Tax Planning: The order in which you withdraw from your accounts can have a significant impact on how much you pay in taxes over your lifetime. Planning ahead may help you keep more of what you've earned.

✔ Investment Strategy: Your portfolio should continue working for you in retirement, but it should also reflect your changing goals, time horizon, and comfort with market fluctuations.

✔ Healthcare & Long Term Care: Medical expenses are often one of the largest costs retirees face. Having a plan in place can help prepare for both expected and unexpected healthcare needs.

✔ Legacy Planning: A well designed estate plan helps ensure your wishes are carried out and can make the transition easier for the people you care about most.

Retirement planning isn't a one time event. It's an ongoing process. Markets change. Tax laws change. Your goals and priorities may change, too. Reviewing your plan regularly can help ensure it continues to support the retirement you've envisioned.

At Sears Wealth Management, we work with individuals and families to build comprehensive retirement strategies that address every stage of retirement, from preparing to retire to creating sustainable income and preserving wealth for future generations.

If it's been a while since you've reviewed your retirement plan, now may be the perfect time to take a fresh look.

📞 Contact Sears Wealth Management to schedule a complimentary consultation and learn how a personalized retirement plan can help you move forward with confidence.

07/09/2026

Q2 is in the books. Check out the latest market report for a quick look at the events and trends that shaped the second quarter.

The second quarter brought increased geopolitical tension, rising inflation and a new Fed chair — yet markets climbed to record highs. Here's what drove the second quarter and what investors should watch heading into Q3:

07/07/2026

Do You Really Need $1.46 Million to Retire?

You've likely seen the recent headline suggesting that Americans need $1.46 million to retire comfortably. While it's an attention-grabbing number, the reality is much more personal.

That figure comes from a survey of what people think they'll need, not from a financial planning calculation. For some families, $1.46 million may be more than enough. For others, it may not be enough at all.

What truly determines retirement readiness is understanding your individual situation, including:

• Your desired lifestyle in retirement
• Your anticipated spending needs
• Social Security and any pension benefits
• Healthcare and long-term care considerations
• Inflation and taxes
• How long your retirement may last

Retirement planning is about more than reaching a specific account balance. It's about creating a sustainable income strategy that supports the life you want to live and provides the flexibility to adjust as circumstances change.

At Sears Wealth Management, we've always believed that successful retirement planning begins with thoughtful conversations—not headlines. Every family has different goals, priorities, and concerns, which is why we focus on building personalized strategies designed around the people we serve.

As always, we're here to answer your questions and help you stay informed as you work toward your financial goals.

07/04/2026

🇺🇸 Happy Fourth of July from Sears Wealth Management!

Today, we celebrate the freedoms that bring us together and the opportunities to build the future we choose.

Thank you for the trust you place in us. We wish you and your family a safe, happy, and memorable Independence Day! ❤️🤍💙

06/29/2026

Retirement doesn't have to begin at 65 to be successful.

Many Americans are discovering that retirement looks different than it did a generation ago. Whether you choose to retire at 65, continue working a little longer, or ease into retirement gradually, the most important factor is having a financial strategy that supports your goals.

A retirement plan isn't about hitting a certain age—it's about having the confidence to retire when the time is right for you.

If it's been a while since you've reviewed your retirement plan, now is a great time to make sure it still reflects your goals and today's economic realities.

06/24/2026

When it comes to Social Security, timing changes everything.

Before you decide when to cash in, make sure you know the milestones:

⏱️ Age 62: Earliest eligibility, but results in a permanently reduced monthly payout.

🎯 Age 67: Full Retirement Age for many. You get 100% of the benefits you've earned.

🚀 Age 70: The maximum cap. Delaying until now secures your highest possible monthly income.

Your claiming age locks in your benefit structure for life. What's your strategy?

06/21/2026

Today, we’re celebrating three great dads on our team…Mike, Seth, and Chase.

We’re thankful for the care, hard work, and values they bring to their families, our team, and our clients every day. We appreciate all they do and the example they set.

We also want to wish a Happy Father’s Day to all the dads, grandfathers, sons, uncles, and father figures we’re fortunate to know through our clients and community.

We hope you have a great day spent with family, friends, and the people who matter most.

Happy Father’s Day from all of us at Sears Wealth Management!