Kay Russell and Associates Insurance and Financial Services LLC

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Kay Russell and Associates Insurance and Financial Services LLC Helping individuals and families become financially protected from unforeseen circumstances and helping them to retire financially secure.

Fall tends to arrive before we know it, bringing cooler days and shifting routines. With so much changing this time of y...
10/15/2026

Fall tends to arrive before we know it, bringing cooler days and shifting routines. With so much changing this time of year, we want our clients to know that one thing always stays the same — our commitment to supporting your financial planning needs.

If questions come up about retirement planning, Social Security optimization, or any part of your financial future, our team is here to help. Reach out anytime for guidance you can count on.

One Social Security detail surprises people more than almost anything else I cover in my courses: if you claim later tha...
10/08/2026

One Social Security detail surprises people more than almost anything else I cover in my courses: if you claim later than your full retirement age, your benefit generally grows by about 8 percent for each year you wait, up to age 70, for anyone born in 1943 or later.

That doesn't mean it's the right move for everyone. Your health, whether you're still working, and what your spouse plans to do all factor in, and for some people claiming earlier makes better sense. What it does mean is that this decision carries more weight than most people realize, and it's permanent once it's made.

I'm not affiliated with the Social Security Administration, and I don't give tax or legal advice, but helping you think this through is a good part of what I do at Kay Russell and Associates.

Visit kayrussellandassociates.com to learn more.

Life insurance is one of those things people set up once and then don't revisit, often for years. The trouble is, the co...
10/01/2026

Life insurance is one of those things people set up once and then don't revisit, often for years. The trouble is, the coverage you chose back then was built around the life you had then. A new job, a move, a marriage, a grandchild, or a change in income can all be reasons to review your policy.

A review doesn't mean changing anything. Sometimes it confirms you're in good shape, and sometimes it reveals a gap that's usually easier to close sooner rather than later. Either way, you'll know where you stand.

If it's been a while since you checked your coverage, I'm glad to go through it with you. Feel free to give me a call anytime at 800-469-8869.

As the year moves into its final stretch, I like to check one thing with clients that's easy to overlook: how much marke...
09/28/2026

As the year moves into its final stretch, I like to check one thing with clients that's easy to overlook: how much market risk they're actually carrying.

Portfolios drift over time, and a mix that suited you a few years ago can end up more aggressive than you'd choose today, especially if retirement is closer now than it was then.

Wealth preservation is a core part of what I do at Kay Russell and Associates, and it starts with knowing where you stand rather than assuming.

Head over to kayrussellandassociates.com to learn more.

If retirement is 5-10 years away, the planning starts to change. Saving matters a little less than sequencing, and a han...
09/25/2026

If retirement is 5-10 years away, the planning starts to change. Saving matters a little less than sequencing, and a handful of questions do most of the work in narrowing things down. Three of them come up in nearly every conversation I have:

▪️When should I claim Social Security, and how does that decision affect my spouse
▪️Which accounts will my monthly income come from once the paychecks stop
▪️What happens if the market drops during my first few years of retirement

There isn't a single right answer to any of these, which is why they're better worked through than guessed at. Most people walk out with fewer open questions than they came in with.

Learn more about my educational courses at kayrussellandassociates.com/educational-courses.

Labor Day is a perfect reminder to pause, recharge, and appreciate the hard work that keeps everything moving forward. O...
09/07/2026

Labor Day is a perfect reminder to pause, recharge, and appreciate the hard work that keeps everything moving forward. Our team is taking that to heart with a well‑earned long weekend.

Our office will be closed on Monday, September 7th, and we’ll be back on Tuesday, September 8th, refreshed and ready to support your financial planning goals.

We hope your weekend is filled with rest, good company, and a chance to unwind. How are you spending the long weekend?

We see it all the time: people set up a life insurance policy, then forget about it as their life keeps changing. New in...
08/27/2026

We see it all the time: people set up a life insurance policy, then forget about it as their life keeps changing. New income levels, a growing family, or a bigger mortgage can all shift what real protection looks like.

Life insurance should be based on the income your household relies on. When responsibilities grow, adequate coverage becomes even more important.

If you’re unsure whether your policy still fits your current stage of life, our team can walk you through how to estimate your needs and decide when it’s time for a review.

If it’s been a while since you last checked your coverage — or if your income has changed since we last connected — we’re here to help you make sure your protection still matches your goals.

Planning for retirement starts with the right questions. Two of the most important ones we encourage people to ask are:•...
08/21/2026

Planning for retirement starts with the right questions. Two of the most important ones we encourage people to ask are:

• Will my income last throughout retirement?
• When is the best time for me to claim Social Security?

At Kay Russell and Associates, we help you explore these decisions with confidence. What questions are on your mind as you plan for the future?

Building a life together also means protecting the future you're creating. At Kay Russell and Associates, we know how im...
08/13/2026

Building a life together also means protecting the future you're creating. At Kay Russell and Associates, we know how important it is for newlyweds to put the right financial safeguards in place, and life insurance is one of the strongest tools for long‑term stability.

Here are a few key life insurance considerations for couples starting their journey together:
• How much coverage you actually need
• Whether term or permanent insurance makes the most sense
• How life insurance fits into your broader financial plan

Taking these steps early can give you confidence as you build your life and goals together.

If you're ready to explore your options, our team is here to help you find coverage that supports your future.

We're halfway through the year, which makes it a perfect time for a quick retirement checkup. A few simple reviews now c...
08/07/2026

We're halfway through the year, which makes it a perfect time for a quick retirement checkup. A few simple reviews now can boost your confidence moving forward.

Take a moment to revisit your income strategy, think about your Social Security timing, check in on your savings progress, and make sure your risk levels still match your goals.

At Kay Russell and Associates here in Riverside, our team loves helping people feel more secure about the road ahead. Small adjustments today can make a big difference later.

What part of your retirement plan are you focusing on this year?

Address

Riverside, CA

Opening Hours

Monday 10am - 7pm
Tuesday 10am - 7pm
Wednesday 10am - 7pm
Thursday 10am - 7pm
Friday 10am - 7pm

Telephone

+18004698869

Website

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