Evergreen Wealth Advisors

10/21/2026

Loyalty can be expensive. Especially in retirement.

I recently spoke with a woman. Let's call her Kate.

She attended one of my workshops and booked a face-to-face appointment.

She brought questions about Social Security, RMDs, and taxes.

After her questions, she shared how much loves her financial advisor. She's been with him for years and has absolutely no intention of leaving.

So I asked her:

"Does your current advisor help you with these things?"

Her answer was simple.

"No."

At what point does loyalty become a roadblock?

I don't know her advisor. He may be doing a wonderful job managing her investments.

But retirement is about so much more than investments.

It's about creating income. Managing taxes. Coordinating Social Security. Preparing for healthcare costs. Making sure all the pieces work together.

Kate has questions that deserve answers.

And her loyalty shouldn't prevent her from finding them.

I'm not suggesting everyone needs to change advisors.

But I am suggesting that everyone should be willing to evaluate whether their current advisor is meeting their needs.

Because the advisor who helped you accumulate your wealth may not be the advisor best equipped to help you navigate retirement.

Loyalty is admirable.

Blind loyalty can be debilitating.

And in retirement, it could cost you more than you realize.

Here's my question: When does loyalty become a liability?

Call now to connect with business.

10/14/2026

Some money is meant for today. Some is meant for the years ahead. And some is positioned for longer-term growth and legacy goals.
Your RMD strategy should fit into that bigger picture.

Some money is meant for today. Some is meant for the years ahead. And some is positioned for longer-term growth and legacy goals. Your RMD strategy should fit into that bigger picture. Your RMD should have a purpose beyond satisfying the IRS.

10/08/2026

Many clients have the majority of their retirement savings in pre-tax accounts like 401(k)s and IRAs. This is beneficial, especially for funding your 'go-go' years when you might be in higher tax brackets. Consider Roth conversions to optimize your long-term financial strategy.

10/06/2026

A retirement plan should not only answer the question, "Does this work if everything goes according to plan?" We want to know: What happens when it doesn't?

A retirement plan should not only answer the question, "Does this work if everything goes according to plan?" The goal isn't to predict every storm. We can't. The goal is to build a retirement strategy that gives you options when the forecast changes.

10/05/2026

Many are terrified of market volatility, preferring to stash cash. But is doing nothing riskier? Barely keeping up with inflation or earning minimal interest could mean your money won't grow enough for future needs. Consider the hidden risks of inaction.

10/01/2026

Major medical events like strokes or heart attacks can strike anyone in retirement. While Medicare is a valuable tool for many health needs, it generally doesn't cover long-term care services. After 100 days in a facility or for in-home medical assistance, you could be on the hook for significant costs.

09/09/2026

Confused about wills and trusts? A trust can be key to bypassing probate court, offering privacy and faster asset distribution to beneficiaries. Unlike a will, which becomes public record and can take 18+ months to execute, a trust allows for immediate action and personalized distribution plans. Help rotect your legacy with the privacy and efficiency of a trust.

09/07/2026

A retirement plan shouldn’t be a collection of separate decisions. It should be one coordinated strategy. It’s not just how much income you generate that matters. It’s how much you keep—and how confidently you can use it.

09/03/2026

Unexpectedly losing clients to sudden tragedies is a harsh reminder. Do you have estate planning documents like medical directives and power of attorney? These are important for protecting loved ones when the unthinkable happens, ensuring someone can handle affairs if you're incapacitated.

09/02/2026

Think estate planning is only for billionaires? Think again!

If you’re over 18, you can benefit from a plan. It doesn’t matter whether you have millions of dollars, a young family, a retirement account, or a child who recently left for college.

In the newest episode of The Retirement Planning Podcast, Jason Fox and I break down why the right documents matter—and how they can protect your family from unnecessary stress, confusion, and lengthy probate delays.

We talk about:

✅ Why powers of attorney become essential at age 18
✅ The difference between a will and a revocable living trust
✅ Why your beneficiary designations may override your will
✅ How an ex-spouse could accidentally inherit your assets
✅ What the $19,000 gifting limit actually means
✅ Three estate-planning steps you can take today

Estate planning isn’t about how wealthy you are. It’s about protecting the people you love and making sure your wishes are followed.

https://youtu.be/uf_JsXKvaRM?si=EE6KcLyEJ_iGyrAQ