Udell Associates

10/02/2026

💡 Having a 401(k) or IRA doesn't mean you have a financial plan. It means you have a tool. The plan is what tells you how to use it.

Paying attention to investment returns matters. But returns are only one piece of the puzzle. The plan is what determines whether those returns are actually moving you toward the retirement you want. 💛

At Udell Associates, building that plan — not just managing accounts — is exactly what we do.

Read more in the article below
https://www.kiplinger.com/retirement/retirement-planning/how-to-build-a-financial-plan-beyond-your-retirement-account

A financial plan is designed to adapt to life changes, not market changes, helping with how assets are distributed and how withdrawals can reduce taxes.

09/28/2026

📊 Stocks for growth. Bonds for stability. But is the classic 60/40 portfolio still enough — or is it time to add a third option?

For decades, the traditional balanced portfolio has been the foundation of retirement investing. But investing has evolved, and today there are solutions that simply didn't exist when conventional wisdom was established.

At Udell Associates, we stay current on the full range of tools available — so your retirement strategy always reflects what's possible today, not just what worked a generation ago.

https://www.kiplinger.com/investing/fixed-income/are-registered-index-linked-annuities-rilas-right-for-you

Investors might want to add "buffered" strategies like registered index-linked annuities (RILAs) to their investing toolkit to balance downside risk.

09/26/2026

Over the next two decades, baby boomers will pass down trillions of dollars to the generations that follow. And 66% of Americans either expect to or have already received an inheritance from their parents. The question isn't whether you'll be part of it — it's whether your family is ready.

Whether you're planning to pass wealth down or preparing to receive it, the right guidance makes all the difference. 💛

https://www.kiplinger.com/retirement/estate-planning/how-everyday-families-can-prepare-to-transfer-wealth

Over the next two decades, a Great Wealth Transfer will occur between baby boomers and the generations that follow. Is your family prepared to handle it?

09/21/2026

🎯 The financial plan is perfect. The calendar is open. Then Monday morning arrives — and nothing feels right. For many successful executives, retirement looks great on paper but catches them completely off guard emotionally.

Three traps derail even the most accomplished leaders (read the article below)

A great retirement isn't just financially planned — it's purposefully designed. That's something we think about with every client.

📞 Let's talk about your full retirement picture

https://www.kiplinger.com/retirement/retirement-planning/retirement-traps-that-derail-successful-executives

Leaving a high-powered career brings freedom, but also an identity crisis. Four leaders share how to build a meaningful post-work chapter.

09/19/2026

⚠️ Nearly 4 in 10 Americans are counting on Medicare to pay for long-term care. There's just one problem — Medicare generally doesn't cover it.

📌 This is one of the most dangerous misconceptions in retirement planning, and finding that out during a crisis is the worst possible time.

Read the article below to find out what you actually need to know
https://www.cnbc.com/2026/09/02/long-term-care-medicare-medicaid-insurance.html



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Individuals may generally use Medicaid, insurance or their own funds to pay for long-term care in retirement. Here's what experts say about those choices.

09/14/2026

💡 You spent decades learning how to save. Now comes the harder part — learning how to spend.

For most retirees, the shift from accumulation to distribution requires a completely different mindset. And 5 questions can help you know if you're truly ready.

Read more in the article below.
https://www.kiplinger.com/retirement/retirement-planning/are-you-ready-to-spend-in-retirement

Shifting from saving to spending in retirement requires a new way of thinking. Answer these five questions to find out if you're ready for this next chapter.

09/11/2026

Share this article with your kids and grandkids if you’re already retired 📢

Social Security's reserves are projected to be depleted by 2033. That doesn't mean it disappears — but for younger workers, it likely means receiving reduced benefits while potentially contributing more over their lifetime.

The message is clear: Social Security should still be part of your retirement picture — but not the foundation.

Read the full article below to find out what younger generations need to prioritize instead
https://www.kiplinger.com/retirement/social-security/social-security-guide-for-millennials-and-gen-z

Social Security may still be part of the retirement picture for younger workers, but it shouldn't be the cornerstone of your strategy. How to adapt.

08/05/2026

🌅 Retirement isn't a finish line. It's a starting line. After decades of working, saving, and planning, retirement is your time.

But here's the truth: the retirement you've always imagined doesn't happen by accident. It happens because someone made a plan, and stuck to it.

At Udell Associates, helping you get to that moment and making sure it lasts 💛

What does your dream retirement look like? Let's create a plan together

🔗 https://www.wealthenjoyment.com/

08/03/2026

📋 The rules around Required Minimum Distributions have changed 📣 and if you haven't caught up, it could cost you.

Thanks to the SECURE 2.0 Act, there are 6 key RMD updates every retiree should know. Read the article below to see the full updates!

Not sure how these changes affect your plan? We can help you figure it out.

📲 https://www.wealthenjoyment.com/ | 📞 (941) 951-0443

https://www.kiplinger.com/retirement/new-rmd-rules

The SECURE 2.0 Act made major changes to rules for required minimum distributions (RMDs) — are you up to speed?

07/31/2026

💡 The wealthy don't just max out their 401(k), they go beyond it. Here's how.

👉 A 401(k) is a great starting point, but it's not the whole picture. High-net-worth savers know that true retirement security comes from building multiple streams of tax-smart wealth. In this Kiplinger article you’ll find 5 moves they make that most people overlook.

You don't have to be a millionaire to think like one. These strategies are worth knowing, and some are available to you right now. 💛

Want to explore which of these belongs in YOUR retirement plan?

Let's talk! 🔗 https://www.wealthenjoyment.com/

Read the full article below

https://www.kiplinger.com/retirement/happy-retirement/out-of-the-box-retirement-moves-the-wealthy-swear-by

A 401(k) isn't the only way to build a nest egg. Discover 5 tax-smart retirement strategies used by wealthy savers.