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…
I’m excited for us to chalk out your plan!
Jay Kadlec
📞 (865) 465-9811
📥 jay@chalkmoney.com