TJD Financial Planning

TJD Financial Planning Financial Planning

A referral is the ultimate trust. Discover how a 2025 case studyused holistic planning and Social Security timing to wip...
05/26/2026

A referral is the ultimate trust. Discover how a 2025 case study
used holistic planning and Social Security timing to wipe out
debt and move a retirement date up to this June. Proof that the
right plan can turn "one day" into "now."

Read more in the latest blog:

https://bit.ly/3Q1kYBF

"Who cares about stock market returns when gas is $5!"  That is a post on X that I recently had come across.Recent surve...
05/14/2026

"Who cares about stock market returns when gas is $5!" That is a post on X that I recently had come across.

Recent survey data also suggests many households are feeling increased financial pressure.

About 55% of Americans say their financial situation is getting worse, reflecting a steady rise in concern over the past several years.

Affordability remains a key factor, with higher costs across essentials like housing, healthcare, and everyday expenses continuing to shape how people experience their finances.

Those on a fixed income, like retirees, can be more susceptible to these conditions.

At the same time, concerns extend beyond the short term. Many individuals report increased anxiety around long-term goals, including saving for retirement and managing future expenses.

While experiences can vary widely, these trends highlight how broader economic conditions can influence both day-to-day budgeting and longer-term financial outlooks.

During these uncomfortable times it is a good reminder of why it is so important to have a plan. Don't hesitate to reach out for help with yours.


Source:

The impact of higher energy prices and fears about covering monthly bill is taking a toll on public sentiment, a new Gallup poll finds.

As the weather gets nicer, my wife and I often take our dog on longer walks thru the beautiful Oakwood Cemetery, or on t...
04/30/2026

As the weather gets nicer, my wife and I often take our dog on longer walks thru the beautiful Oakwood Cemetery, or on the numerous bike trails in our area. We noticed many trees that have fallen throughout this past LONG winter - some that are large uprooted trees. It's a reminder to take a look at who is liable for fallen trees. Especially those that are on our own properties. 🤔

Your liability for damages that occur when a tree on your property falls on your neighbor’s property is not clear cut.

ANOTHER SCAM! 🤯A common online security tool is now being used in a new type of scam.Cybercriminals are increasingly usi...
04/24/2026

ANOTHER SCAM! 🤯

A common online security tool is now being used in a new type of scam.

Cybercriminals are increasingly using fake CAPTCHA prompts — the familiar “I’m not a robot” checks — to trick users into taking actions that can compromise their devices.

Instead of a simple verification, these prompts may ask users to click “Allow,” enable notifications, or follow additional steps that can lead to persistent pop-ups, phishing attempts, or unwanted software.

These scams often appear through ads, suspicious links, or redirected web pages, making them harder to spot at first glance.

Security experts note that legitimate CAPTCHA tests do not require enabling notifications, downloading files, or entering system commands — making those requests a potential red flag.

As these tactics evolve, staying cautious when interacting with unexpected prompts can help reduce exposure to online threats.


Source: https://www.consumeraffairs.com/news/captcha-scams-are-surging-as-hackers-exploit-a-security-tool-032626.html

Stop overpaying for "first-dollar" protection. đź’¸ Learn how optimizing your deductibles and plugging insurance leaks can ...
04/13/2026

Stop overpaying for "first-dollar" protection. 💸 Learn how optimizing your deductibles and plugging insurance leaks can redirect hundreds—even thousands—back into your retirement portfolio. Read more:

Is your insurance leaking money? đźš° Discover how a holistic P&C review can identify hidden inefficiencies, lower your premiums, and redirect found money toward your long-term investment goals. Turn your protection into a wealth-building strategy here:

Spring is almost here!  Of course, for many like myself, that means the baseball season will be starting soon! âšľ But it ...
03/19/2026

Spring is almost here! Of course, for many like myself, that means the baseball season will be starting soon! ⚾ But it also means its time for Spring Cleaning and getting things in order: such as your estate. Whether you are young or young at heart, this is an important endeavor. So here is a cool little checklist to help you do just that 🙏

Is your estate in order? This short quiz may help you assess your overall strategy.

Protect your legacy from every angle. 🛡️ Reach out to have your policies reviewed today!
03/12/2026

Protect your legacy from every angle. 🛡️ Reach out to have your policies reviewed today!

02/12/2026

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Troy, CT
12182

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