In our latest post, "Smart Charitable Giving Strategies for Retired Engineers," we delve into how retired engineers can apply their methodical thinking to philanthropy. We explore a range of charitable giving strategies that not only support meaningful causes but also provide financial benefits. From the efficiency of direct cash contributions to the strategic use of appreciated assets, we guide you through maximizing your charitable impact while optimizing your tax situation. Whether you're an experienced donor or just starting to consider how you can make a difference, join us as we lay out a blueprint for thoughtful giving in retirement.

Election season stirs up more than just political debates—it’s prime time for investment anxiety, especially among soon-to-retire engineers. With every twist in the campaign trail, it’s tempting to predict market swings and recalibrate your entire retirement strategy. But before you dive into complex models and late-night spreadsheets, let’s separate fact from fiction. In this post, we’ll debunk common myths around election cycles and investing, share historical insights, and keep your financial plan on track—no matter who’s on the ballot.

In retirement planning, timing isn’t just a detail—it’s crucial. Sequence of Returns Risk (SoRR) is akin to unforeseen delays in an engineering project; if the market dips as you retire, early losses, compounded by withdrawals, can undermine your financial foundation quickly. It’s akin to starting a major road trip that begins with a flat tire—possible, but far from ideal.

To counter this, think like an engineer: build in a buffer. A cash reserve of 3-10 years’ worth of net living expenses acts like a safety buffer in an engineering project, cushioning against market dips and ensuring your retirement finances remain robust no matter the economic conditions.