Blog
The Chalkboard
Let’s learn.
Not “Use it or lose it” LTC
70% of retirees will need long-term care, yet costs crush unprepared families ($100k+/year for nursing homes).
Who It’s For
✅ Ages 55-70 seeking safe growth + LTC coverage
✅ Those wary of…
Smart Social Security Strategies
Social Security provides a critical foundation for retirement, but many Americans leave thousands on the table 🏦 by claiming too early or missing key rules. With thoughtful planning, you can…
I’ll Make My Own Pension
Who It’s For
Retirees wanting stable income + growth potential
Investors who’ve maxed out 401(k)/IRA options
Those nervous about…
How should I invest?
There are exceptions. Every plan is different, but in general:
Diversify Early – Spread across US/international stocks, bonds, annuities, real assets, etc.
Get More Sophisticated as You Grow – Over $500k? Add…
A Dollar a Day
Money today is worth more than the same amount in the future due to:
✅ Compound growth (earning returns on returns)
✅ Inflation erosion (future dollars buy less)
and more…
To Convert or Not?
Roth IRAs offer tax-free growth and withdrawals, while Traditional IRAs provide upfront tax breaks. Younger investors often benefit the most from Roth accounts, while those nearing retirement should carefully evaluate their tax situation.
I’m excited for us to chalk out your plan!
Jay Kadlec
📞 (865) 465-9811
📥 jay@chalkmoney.com