David Shea, FSCP

01/02/2026

Mortgage rates are unchanged and still under 7%. Today's national average on a 30-year fixed-rate mortgage is 6.27%, according to Bankrate.

Explore current mortgage rates and what they mean for homebuyers.

01/01/2026

Research shows that those who retire without structure, purpose or social connection experience faster cognitive decline, higher rates of depression, even shortened life expectancy. Learn more.

A fulfilling retirement begins with a blueprint for living, rather than simply the accumulation of a large nest egg. Financial freedom is meaningful only when it supports a life of purpose, connection and vitality.

12/31/2025

Average mortgage rates are in the low 6% range, but there are ways to snag a lower rate. Learn about eight strategies for securing a mortgage rate under 6%.

12/24/2025

You’ve always been their biggest supporter — cheering them on through every dream and milestone.
Now it’s time to give their future the same encouragement you’ve always given their hearts.
Let’s build a strategy that helps their dreams shine bright for years to come.
Message me today to learn how.
"

12/23/2025

You’ve worked hard, made sacrifices, and built a life full of purpose and love.
Now it’s time to make sure your family’s future carries that same strength forward.
Together, we can help turn today’s dedication into tomorrow’s security.
Let’s talk about the path that fits your family best.

12/10/2025

Required minimum distributions can feel complex but managing them is an essential piece of a client’s overall financial strategy. Whether tackling RMDs from traditional accounts or considering Roth conversions, taking a holistic approach will help to minimize tax liabilities, strategize timing for withdrawals, and preserve wealth for the next generation. Read this article to learn more about effective RMD strategies and how we can partner to strengthen our client relationships. https://bit.ly/4iV3WiO

12/09/2025

Smart planning and strategic management of distributions from your own or inherited retirement accounts can boost their value and better align them with your estate and business goals. Curious how? This article describes best practices such as working with top financial professionals, exploring stretch IRAs, and integrating accounts into trusts to optimize wealth transfer and minimize estate taxes. When you’re ready to learn more rules of the road, let’s look at how these strategies can secure your retirement and protect your legacy for generations to come. https://bit.ly/44fGwhZ

12/04/2025

Wishing you a very happy New Year!

12/03/2025

If you’re considering bankruptcy, it’s important to know how your SBA loans will be treated. Learn more.

SBA loans are handled differently depending on the type of bankruptcy you file, your loan terms and whether you personally guaranteed the debt.

12/02/2025

Should you work until you reach your full retirement age or retire early? Learn about the pros and cons to both options.

The majority of people retire early, leaving the workforce before reaching their full retirement age (FRA). Maybe you should, too.

11/27/2025

In this week's Ask the Editor Q&A, Kiplinger answers reader questions on the charitable deduction.

In our Ask the Editor round-up, Joy Taylor, The Kiplinger Tax Letter Editor, answers questions on the tax rules for charitable deductions.

11/26/2025

The federal government’s shutdown has a bigger impact on retirees than just service delays. Here’s how the shutdown can impact everything from your health to your travels.

Depending upon how long it lasts, a government shutdown can impact your daily life, including seeing family, managing your health, and enjoying your free time.