Udell Associates

06/01/2026

Saving for retirement isn’t just an individual strategy… it’s a team effort.🤝
If one spouse isn’t working, it doesn’t mean their retirement savings have to stop. A spousal IRA allows couples to keep building wealth together, even on a single income.💰

💬 Are you maximizing every opportunity available as a couple?

https://www.cnbc.com/2026/03/12/spousal-ira-save-for-retirement.html

Spousal IRAs allow married couples to boost retirement savings. Here's who qualifies for the strategy.

05/29/2026

The best retirement advice isn’t just about saving more… It's about planning smarter. Top financial experts agree:
Retirement isn’t a single decision—it’s a series of strategic choices💡

https://www.kiplinger.com/retirement/retirement-planning/the-best-retirement-advice-of-all-time

Investing greats, renowned economists, top advisers and other experts share their favorite wisdom, both given and received, about retirement.

05/27/2026

Retirement confidence doesn’t come from having a “perfect” plan… It comes from having a flexible one.
Many retirees worry about the same things:
👉 Market volatility
👉 Rising healthcare costs
👉 Taxes, and outliving their savings
The difference? Those who feel confident have a plan that adapts as the market changes.

The goal is to retire with clarity, control, and peace of mind.
https://www.kiplinger.com/retirement/retirement-planning/the-key-to-enjoying-retirement-with-confidence

A resilient retirement plan serves as a flexible framework to address your income, health care, taxes and investments. You should plan to review it regularly so it can be adapted, no matter what changes come your way.

05/25/2026

Today, we pause to honor and remember the brave men and women who made the ultimate sacrifice for our country.

Their courage and service will never be forgotten. 🇺🇸

05/22/2026

Do you think you fully understand HSAs? You might be leaving money and opportunities on the table.

In reality, an HSA isn’t just a healthcare account, it’s a powerful, often overlooked retirement planning tool. 💬 Are you using your HSA strategically?

Read the article below to debunk 10 myths about HSA

https://www.kiplinger.com/slideshow/insurance/t027-s003-10-myths-about-health-savings-accounts/index.html

Health Savings Accounts are one of the most powerful yet misunderstood financial tools. Don't let these 10 common myths keep you from reaping their full benefits.

05/20/2026

Worried about outliving your savings? 💰 Annuities could be the retirement safety net you're missing. They're not for everyone, but for the right person, they create a paycheck that never stops.

💡 Annuity sales hit a record $461B in 2025. More retirees are turning to guaranteed income.

Curious if an annuity belongs in YOUR plan? We can walk you through it.

https://www.wealthenjoyment.com/

05/18/2026

⏳ When it comes to Social Security, patience literally pays.
You can claim as early as 62, but claiming benefits at age 62 could reduce your benefits by 30%.

On the flip side, if you delay until 70, you'd see your benefits increase by 24% over your full retirement age amount. For the average retiree, waiting just from 67 to 70 could add more than $7,400 to your annual benefits, every single year, for life.

The right claiming age depends on your health, your income needs, and your overall retirement plan. There's no universal answer, but there IS a right answer for YOU. 💛
Let's run the numbers together.

https://www.forbes.com/sites/baldwin/2026/02/21/how-much-do-you-really-gain-by-delaying-social-security-benefits/

05/15/2026

For years, U.S. large-cap stocks were the only ingredient many investors needed. But 2025 reminded everyone why diversification matters. After lagging the U.S. stock market for nine of the past 11 calendar years, international stocks surged nearly 23% this year beating the S&P 500 by more than 12 percentage points.

If your portfolio is still heavily concentrated in one area, it may be time to revisit the recipe.✔️ 👍

A well-diversified portfolio has 3 main ingredients:
📈 Stocks
🏦 Bonds
🛡️ Alternatives

Is YOUR portfolio properly diversified? We can help you find out.

https://www.kiplinger.com/investing/stocks/use-this-stock-market-recipe-for-a-well-diversified-portfolio

For years, large U.S. stocks were all you needed for a diversified portfolio. A broader mix is better now.

05/13/2026

Estate planning isn't about death — it's about love. 💛

Without a proper plan:
⚠️ Your assets may not go where you intend
⚠️ Your family could face lengthy probate
⚠️ Tax burdens could shrink your legacy

A proper estate plan includes a will, beneficiary designations, and possibly a trust. Have you reviewed yours lately?

https://www.wealthenjoyment.com/

05/11/2026

This is one of the most important questions in retirement planning. The risk of outliving your money is called longevity risk, and it's one of the biggest threats to a comfortable retirement.
📌 Social Security helps, but Social Security benefits alone are rarely enough and may be less generous in the future.

So what's the solution? For many retirees, annuities are a powerful piece of the answer. Annuities can produce safe retirement income and can guarantee that income for life, making them unique vehicles for reducing the risk of running out of money in old age.

Want to know if an annuity belongs in YOUR strategy? We're here to help you find out.
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https://www.kiplinger.com/retirement/annuities/how-annuities-can-help-with-longevity-risk

Increasing longevity means you could outlive the money you've saved for retirement. Social Security may not bridge the gap, but an income annuity could help.