Category: Retirement

For generations, retirement was thought of as a hard stop. You worked until 65, then stepped away completely. But today, that traditional model is shifting. More Americans are redefining retirement as a new phase of life, one that often includes...
For many Americans, turning 65 marks the transition from employer-provided health insurance to Medicare. While Medicare is a vital benefit, it can also be complex, with distinct parts, coverage limits, and enrollment rules that can easily overwhelm retirees. Understanding the...
Medicare Basics 2025 – What Retirees Need to Know
New Jersey’s pension crisis is growing, putting teachers, state workers, and retirees at risk. With billions in shortfalls and an uncertain future, relying solely on pensions or Social Security isn’t enough. At Millstone Financial Group, we help you build a...
The Future of New Jersey Pensions: A Growing Crisis for Teachers, State Workers, and Retirees
Big changes are coming to retirement planning. In this new article, we break down what the Big Beautiful Bill means for taxes, RMDs, healthcare costs, estate planning, and more. If you’re nearing retirement—or already there—this is essential reading....
How the Big Beautiful Bill Impacts Retirement
Veterans deserve the retirement they’ve been dreaming about. Our guide explores the resources available to maximize benefits and help ensure a smooth and well-supported transition into retirement....
Pension Maximization for Federal Employees and Military Personnel
Veterans deserve the retirement they’ve been dreaming about. Our guide explores the resources available to maximize benefits and help ensure a smooth and well-supported transition into retirement....
Retirement Benefits for Veterans: Maximizing Support for Those Who Served

By Travis Dufner Retirement is a long-awaited milestone, but it’s often accompanied by a unique set of financial challenges. Perhaps none of these challenges is more difficult than effectively navigating the ever-shifting tides of market volatility. Yet even in the...

Navigating Market Volatility in Retirement

By Travis Dufner Have you ever wondered how much money you really need to retire comfortably? Many experts suggest aiming to spend 55-80% of your pre-retirement income annually, but is that truly enough? The truth is, there’s no universal answer....

How Much Do I Really Need to Retire Comfortably?

By Michael Russo Early retirement plans involve navigating the individual complexities of retirement account rules to pursue a seamless transition into your golden years. The allure of early retirement is undeniable. It offers the opportunity to live a flexible, independent,...

Early Retirement Plans: Optimizing Your 401(k) and Beyond

By Michael Russo If you’ve been keeping up with recent news, you’ve likely noticed that high inflation and threats of a recession still dominate the headlines. And it’s not just the media painting a bleak picture. Over the past year,...

Beat Inflation: Proactive Measures to Preserve Your Retirement